Long Term Disability Law Blog

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 […]

If you were disabled after an accident or illness and can no longer work, you will no doubt apply for benefits under your long term disability insurance policy. You no doubt performed research before you purchased your policy to determine what the best benefits would be for your situation. However, if you purchased it a […]

If you were disabled in an accident or by an illness and weren’t able to return to work as a result of your disability, you could seek benefits for the income you lost through a long term disability insurance policy. If you were disabled in a work-related accident and can’t return to work, you could […]

Becoming disabled as a result of an on-the-job injury can be a frightening prospect. Worker’s comp or short-term employee benefits may cover the immediate cost of the injury and hospitalization. Some states offer temporary benefits to enable injured workers to get back on their feet. But if the doctor decides you are permanently disabled, your […]

If you’ve filed an insurance claim for long term disability due to a work-related injury, you’ve already heard from countless people that your claim will probably be denied. It is unfortunate but true that most disability claims are rejected the first time they are sent to the insurance company. Some of these denials are for […]

When you married, you and your spouse understood that you would share everything—bed, food, time, and income. That’s normal, and it’s what you want to do with the person you love. As your family has grown, the idea of sharing has expanded. But now you’re disabled and are applying for long-term disability benefits. Will your […]