Pennsylvania LTD Applications Blog Blog

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 […]

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 […]

You’ve thought about what retirement might look like someday, but you always believed that you alone would make that call. Suddenly, because of an injury or other medical condition, you just can’t work a job with significant physical demands anymore. You’re experiencing frustration, confusion, and concern about what your future looks like. You can probably […]