Long Term Disability Law Blog

Can you work while on long-term disability (LTD) in Pennsylvania? Maybe – it depends on your policy’s specific language and disability status. Some policies allow part-time or lower-paying work. Others treat any earned income as a reason to reduce or stop your benefits. Your benefits may also change based on how much you earn. Since […]

Many people are surprised to learn they need to repay some of their long-term disability benefits after qualifying for SSDI. This often happens because LTD insurance policies typically contain offset provisions, which are clauses that reduce your LTD payments by your SSDI amount. If there’s overlap with your SSDI benefits or you receive back pay, […]

If you filed for long-term disability (LTD) benefits in Pennsylvania, you might assume the insurance company will only use the evidence in your claim to determine your eligibility. This is not the case. Insurance companies regularly perform thorough investigations to determine whether claimants are eligible for benefits and legal options. They include using long-term disability […]

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 […]