Pennsylvania LTD Applications Blog Blog

Most workers can access long-term disability insurance through group health plans sponsored by their employers. However, self-employed individuals don’t have this option. So, what self-employed long-term disability options are actually available if you run your own business and can’t rely on a traditional employer-sponsored plan? Individual long-term disability insurance is available through several insurance companies […]

When purchasing a long-term disability (LTD) insurance plan, it’s crucial to understand the steps to take to maximize LTD insurance coverage. You should know how to choose the right coverage amount, what policy riders make the most sense for you, what documentation you’ll need if you ever have to file a claim against the policy, […]

If your long-term disability (LTD) claim has been denied, you must submit an appeal letter to the insurance company to have your case reconsidered. This appeal letter is your opportunity to present evidence and arguments showing why you meet your insurance policy’s definition of disabled. A long-term disability appeal letter sample can help guide you […]

When you’re facing a disabling medical condition that prevents you from working, you’ll need your doctor’s support to get approved for disability benefits. But what happens if your doctor refuses to fill out your disability forms? Can a doctor legally refuse to complete the paperwork you need for your disability claim? The short answer is […]

Typically, you can’t receive Social Security disability payments if you collect Social Security retirement benefits. However, you might be eligible for Supplemental Security Income (SSI) if you meet the requirements. The Social Security Administration (SSA) established the Social Security disability insurance program (SSDI) to bridge the gap between when employees can’t return to work due […]

Disability insurance helps to replace part of your income when you’re unable to work after a serious illness or injury. Disability insurance pays the benefit directly to you, which helps you cover your medical expenses and daily living costs. You may qualify for long term disability benefits if you have a long term disability insurance […]

If you have suffered a disabling condition that has kept you from working, you likely have concerns about how you will make ends meet going forward. Whether you have long term disability (LTD) insurance through your employer or bought an LTD policy on your own, you will have to file a claim to apply for […]

If you can no longer work due to an illness or injury, you need long-term disability benefits to support yourself and your family. When you file a claim for disability benefits from your long term disability insurance carrier, the insurance company will consider a variety of factors when making their decision about whether you’re eligible […]

If you’re suffering from chronic pain syndrome, you are not alone. A recent study estimates that roughly 50 million American adults deal with chronic pain. As a result, they may miss up to 3.5 times more days at work compared to the average American. In this post, we will cover some essential things you need […]

When it’s time to prepare your disability application, you will need to compile documentation that proves both your disability and your eligibility for benefits. There are multiple different types of evidence you should submit, covering both the medical nature of your disability and how it affects your professional life. This post will cover the best […]