Long Term Disability Law Blog

If you become disabled and need to file for long term disability benefits, you might discover that you need additional help covering your medical expenses while you wait for a determination. You’ll need supplemental insurance for the expenses not covered by your primary insurance. Your next question might be whether you can apply for supplemental […]

When you need to file a disability claim, there are some things you need to keep in mind. The first is that it will take time for your claim to be processed. The next is that incomplete or missing information could lead to the denial of your claim. First Steps in Filing a Claim Almost […]

If you have been injured and may need a wheelchair, this can be a frustrating and painful time. You may have questions about how to navigate Medicare’s system to get the medical equipment you need. The approval process can seem complicated and overwhelming. While each situation is unique, there are requirements that apply to most […]

If you are experiencing pain every day, life can seem impossible. You may have tried various treatment methods without getting the results you need. You should not have to live with constant pain. The recent opioid epidemic in the United States has emphasized the need for alternative pain management options. Each day, an average of […]

An amputation is a physically and emotionally shocking experience. Some amputations are scheduled in advance due to cancer or other serious illness. Others are the result of traumatic injuries, leading to amputation of a limb. No matter how you have come to lose a limb or other body part, you may eventually decide to have […]

Anxiety is no joke, even though it has been made the punchline of comedians and memes around the world. It isn’t always a disabling condition, although people with severe anxiety can have difficulty getting through their workday, or even getting out of the house. Anxiety disorder is characterized by symptoms like nervousness, restlessness, feelings of […]

It should be simple to file for your long term disability insurance benefits. You fill out your claim form and send it in. Unfortunately, it doesn’t end there. You will need to send in supporting documents from your employer, your doctor, medical records, and documents from anyone else who treated you. Attending Physician Statement The […]

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 […]