Long Term Disability Law Blog

Filing a claim for long-term disability insurance is difficult enough. The company needs to see proof that you cannot work at your job because your injury is so serious, and sometimes, it seems they won’t accept anything, even x-rays of your femur sticking out of your leg in three places as proof. What can you […]

Whether you are applying for long term disability insurance for the first time or sending in a claim for disability payments, the insurance company is going to ask you many questions. These questions are intrusive and personal. Although you must be honest about everything you say on the application, you must remember that the insurance […]

Most group long term disability (LTD) insurance policies permit the insurance company to reduce the disabled claimant’s LTD benefit by the amount that he or she and their spouse or children/dependents receive in Social Security disability (SSD) benefits from the Social Security Administration. Once an award of SSD benefits occurs, the disabled claimant should promptly […]

A group long term disability claim is insured by a private insurance company or sometimes by a self-insured employer. A Social Security disability claim is insured by the federal government and administered by the Social Security Administration. These claims are completely separate disability claims; however, the SSD claim process and the outcome of that process […]

If your employer offers long term disability insurance, you may wonder whether to purchase it. Long term disability insurance is designed to cover a portion of your pay if you are unable to work for an extended period due to an accident or illness. Since none of us want to think about a serious or […]

The coverage offered by Long Term Disability (“LTD”) insurance policies can significantly vary across insurance companies and different employers. However, it is increasingly common to see policy language with broad exclusions or limited pay periods for certain medical conditions. Studies have found that these are the five most common medical conditions (in order) that result […]

Proving Physical Disability form any Gainful Occupation due to Chronic Pain from Low Back Pain, Neck Pain, and Fibromyalgia* A female client in her 50’s had her long term disability benefits terminated by New York Life insurance company (doing business as Cigna) as of the date her long term disability insurance policy transitioned its definition […]

Pain falls into two categories – acute and chronic. Acute pain happens immediately after you’ve gotten hurt and lasts only as long as it takes the injury to heal. Pain becomes chronic when it lasts past what is considered a normal healing time. It becomes chronic when it goes on for more than three to […]

It is natural to feel afraid after you’ve been in a traumatic situation. This may include accidents caused by other people’s negligence, domestic violence, street violence, or even witnessing a traumatic event. Fear triggers the flight or fight response. This is a reaction that is designed to protect an individual from harm. It immediately raises […]

Millions of Americans have been diagnosed with COVID-19 since the start of the pandemic in March 2020. Experts believe that the SARS-CoV-2 virus that causes COVID-19 had been circulating in the U.S. as early as November 2019. While many people who have had COVID-19 have made a full recovery, others continue to experience debilitating effects […]