Long Term Disability Law Blog

Long-term disability (LTD) insurance provides financial benefits for individuals unable to work for six months or longer due to serious injury or illness. Unfortunately, many LTD claims are initially denied by insurance companies trying to save money, leaving applicants frustrated and confused about why they were dismissed, leaving injured workers and their families without the […]

If you’re applying for long-term disability (LTD) benefits in Pennsylvania, the insurance company may ask you to undergo a functional capacity evaluation (FCE). This evaluation can be crucial in determining your eligibility for LTD benefits, so you must take it seriously. However, FCEs aren’t always fair, and some insurance companies use them to deny claims […]

If you are disabled for over six months, you may be eligible for long-term disability (LTD) benefits through an LTD insurance policy. These benefits can be a lifeline for those unable to work due to severe injuries or illnesses. However, weak medical evidence supporting the severity and extent of your condition could jeopardize your needs […]

If you’ve been struggling with a disability and relying on long-term disability (LTD) benefits, you may receive an offer from your insurance company to settle your claim with a lump-sum buyout. This offer can be tempting—after all, a large payout sounds like an opportunity to put your worries behind you. But before you decide, it’s […]

If you’ve spent years training for your profession and suddenly you are unable to perform your job due to a disability, you’d still want to maintain your income. That’s where “own occupation” disability insurance comes in. This type of insurance provides income protection specifically for your unique role, providing benefits if you can no longer […]

Losing your job is stressful, especially if you are dealing with a disability. If you’re relying on long-term disability (LTD) insurance, you might have questions. One could be, “What happens to long-term disability if you lose your job?” The good news is that losing your job does not necessarily mean losing your LTD benefits. Understanding […]

Mental health conditions can be just as debilitating as physical illnesses, affecting your ability to work and maintain daily life. If you’re struggling with a psychiatric condition that can prevent you from working, you might wonder, “Can I get long-term disability for mental health?” The answer is yes, but there are important considerations to understand […]

When planning for the future, it’s important to consider how you would manage financially if you were suddenly unable to work due to a disability. Disability insurance serves as a safety net, offering financial support when needed. However, not all disability insurance policies are the same. There are key differences between individual long-term disability insurance […]

Receiving long-term disability (LTD) benefits can be a lifeline when you’re unable to work due to a disabling condition. However, there are circumstances in which you may be required to repay a portion of these benefits, especially when offset provisions or overpayments come into play. This includes considerations regarding the repayment of long-term disability benefits […]

If you’re considering purchasing disability insurance or already have a policy, you may be wondering about the tax implications. One common question our long-term at hear is whether disability insurance premiums are tax-deductible in Pennsylvania. The answer isn’t always straightforward, as it depends on various factors, such as the type of disability insurance and who […]