LTD applications Blog

When you become disabled and cannot work, you may have several options for getting the money you need. The Social Security Administration (SSA) provides benefits to disabled individuals who cannot work. You may also qualify for long-term disability benefits through private insurance companies or your employer. You may be wondering whether you can receive Social […]

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 […]

When you need to file a disability claim, there are some things you need to keep in mind. The first is that it will take time for your claim to be processed. The next is that incomplete or missing information could lead to the denial of your claim. First Steps in Filing a Claim Almost […]

It should be simple to file for your long term disability insurance benefits. You fill out your claim form and send it in. Unfortunately, it doesn’t end there. You will need to send in supporting documents from your employer, your doctor, medical records, and documents from anyone else who treated you. Attending Physician Statement The […]

Most group long term disability (LTD) insurance policies permit the insurance company to reduce the disabled claimant’s LTD benefit by the amount that he or she and their spouse or children/dependents receive in Social Security disability (SSD) benefits from the Social Security Administration. Once an award of SSD benefits occurs, the disabled claimant should promptly […]