Long-Term Disability Insurance Blog

  A Functional Capacity Evaluation (FCE) for long-term disability is a set of physical tests. A trained clinician, like a physical therapist, conducts these tests. They measure your physical abilities and limits for work tasks. If you file a long-term disability claim, the insurance company may require this exam. FCE results can support your claim. However, they can also […]

  Receiving a notice that you owe thousands of dollars back to your insurance company is a frightening experience. For many people, a disability insurance overpayment demand comes just as they adjust to life on a fixed income. These demands often arise from detailed policy rules. These rules allow insurance companies to reduce your benefits […]

  Insurance companies often use an independent medical exam for disability to question your condition’s severity. While the name suggests these exams are neutral, insurers use them to deny or terminate long-term disability benefits. They rely on these evaluations to create evidence that contradicts your treating physician’s findings. Understanding how these independent medical exams work […]

  Chronic pain from conditions like fibromyalgia, complex regional pain syndrome (CRPS), and post-surgical pain can make working impossible. Can you receive long-term disability benefits for chronic pain conditions? The answer is yes, but proving your claim requires more than just reporting pain. Insurance companies focus on functional limitations, not diagnoses. This means you’ll need […]

  Many people who receive long-term disability (LTD) benefits face a shocking reality: their insurance company denies or terminates their benefits right around the 24-month mark. This isn’t a coincidence. Insurance companies use the 24-month disability limitation as a common strategy to reduce their payouts, especially for mental health conditions. Understanding why this happens and […]

  Insurance companies spend millions of dollars annually on surveillance to investigate disability claims. If you’ve filed for long-term disability (LTD) benefits, you may already be under investigation. Understanding how insurance companies use video surveillance and other monitoring tactics can help you protect your claim. This guide explains the disability surveillance insurance company methods used, […]

  Receiving long-term disability benefits doesn’t mean you must stay home. Many people wonder if they can travel while collecting LTD benefits. The short answer is yes, you can travel on long-term disability. However, traveling while receiving benefits requires careful planning. You must follow your policy terms to protect your benefits and enjoy the travel you need. […]

  When your long-term disability claim is under review, your insurance company may request a field interview. This in-person meeting with an investigator can feel intimidating. Understanding what happens during a disability field interview helps you prepare and protect your claim. The process is straightforward once you know what to expect. At , we help […]