Long Term Disability Law Blog

Many people with severe disabilities in Pennsylvania qualify for long-term disability insurance and Social Security disability benefits. However, because the application process for a Social Security disability claim can take a year or longer, people may start receiving their long-term disability insurance benefits before their Social Security claim is approved. This delay can create problems, […]

Many Pennsylvania residents hesitate to purchase a long-term disability insurance policy because they’re worried about the cost. But the cost of long term disability insurance pales in comparison to the impact of not having the financial support you need when you can’t work for an extended period. That’s why we urge everyone in Pennsylvania to […]

If you’ve ever asked yourself, “Do I need long-term disability insurance?” the answer is a definite “yes.” While workers’ compensation, short-term disability insurance, and Social Security disability can help when you have a severe disability, the financial stability that long-term disability insurance provides is unmatched. Unfortunately, many people in Pennsylvania encounter legal issues when they […]

Many public and private employers in Pennsylvania offer long-term disability insurance as a benefit, but have you ever asked, “What does long-term disability cover?” It’s a fair question, particularly if you’re dealing with a disability and are trying to plan for the future. Understanding what long-term disability insurance covers can help you make a solid […]

When you can’t work due to a long-term disability, understanding how much your insurance policy will pay is crucial. Specifically, how much does long-term disability pay? In Pennsylvania, long-term disability (LTD) benefits aim to replace a significant portion of your income, usually between 50-80 percent of your earnings before your disability. Each policy varies, and […]

Health insurance is a top priority when protecting your health and financial well-being. It covers medical expenses like doctor visits, hospital stays, and prescription drugs, helping you manage the cost of healthcare. But what happens if an illness or injury prevents you from working and earning an income? That’s where long-term disability insurance comes in. […]

If you have long-term disability (LTD) insurance through your employer, you may have heard the term “ERISA” thrown around. But what is ERISA, and how does it impact your LTD coverage? Understanding the basics of this federal law can help you navigate the complex world of disability benefits and protect your rights as an employee. […]

Dealing with a long-term disability can feel overwhelming. You worry about your health, your ability to work, and how you will support yourself and your family. If you have long-term disability (LTD) insurance, you may feel relieved when your claim is approved. But when does long-term disability start? The answer depends on several factors, including […]

A long-term disability changes your life. In addition to coping with your medical condition, you may worry about how you will pay your bills and support yourself and your family. One of the most pressing concerns is often health insurance. How will you maintain coverage while you are unable to work? Understanding who pays health […]

Divorce brings significant changes and challenges to every aspect of your life. When you or your soon-to-be ex-spouse also has a long-term disability, the situation becomes even more complex. Long-term disability (LTD) benefits can represent a substantial asset and source of income, raising questions about property division, alimony, and child support. If you are going […]