Long-Term Disability Insurance Blog

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 to […]

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 what […]

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, what […]

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. Why […]

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 clients […]