LTD (Long Term Disability) benefit advocates: Abell and Capitan Blog

How To Choose the Right Prosthetic for You

An amputation is a physically and emotionally shocking experience. Some amputations are scheduled in advance due to cancer or other serious illness. Others are the result of traumatic injuries, leading to amputation of a limb. No matter how you have come to lose a limb or other body part, you may eventually decide to have […]


Four Foods That Help with Anxiety

Anxiety is no joke, even though it has been made the punchline of comedians and memes around the world. It isn’t always a disabling condition, although people with severe anxiety can have difficulty getting through their workday, or even getting out of the house. Anxiety disorder is characterized by symptoms like nervousness, restlessness, feelings of […]


How to Prove Your Depression for a Disability Claim

How to Prove Your Depression for a Disability Claim Filing a claim for long-term disability insurance is difficult enough. The company needs to see proof that you cannot work at your job because your injury is so serious, and sometimes, it seems they won’t accept anything, even x-rays of your femur sticking out of your […]


What Not to Say on Your Disability Application

What Not to Say on Your Disability Application Whether you are applying for long term disability insurance for the first time or sending in a claim for disability payments, the insurance company is going to ask you many questions. These questions are intrusive and personal. Although you must be honest about everything you say on […]


The Impact of the Social Security Disability Claim Process on Your Group Long Term Disability Insurance Claim

A group long term disability claim is insured by a private insurance company or sometimes by a self-insured employer. A Social Security disability claim is insured by the federal government and administered by the Social Security Administration. These claims are completely separate disability claims; however, the SSD claim process and the outcome of that process […]


Are There Conditions That Automatically Qualify You for Disability?

Are There Conditions That Automatically Qualify You for Disability? If your employer offers long term disability insurance, you may wonder whether to purchase it. Long term disability insurance is designed to cover a portion of your pay if you are unable to work for an extended period due to an accident or illness. Since none […]


Watch Out for Limited Coverage Conditions and Hidden Policy Surprises

The coverage offered by Long Term Disability (“LTD”) insurance policies can significantly vary across insurance companies and different employers. However, it is increasingly common to see policy language with broad exclusions or limited pay periods for certain medical conditions. Studies have found that these are the five most common medical conditions (in order) that result […]


Own-Occupation vs. Any-Occupation Provisions of an LTD Policy

If you were disabled after an accident or illness and can no longer work, you will no doubt apply for benefits under your long term disability insurance policy. You no doubt performed research before you purchased your policy to determine what the best benefits would be for your situation. However, if you purchased it a […]


Lost Wage Calculations: Long Term Disability or Workers’ Comp?

If you were disabled in an accident or by an illness and weren’t able to return to work as a result of your disability, you could seek benefits for the income you lost through a long term disability insurance policy. If you were disabled in a work-related accident and can’t return to work, you could […]


Five Tips for Winning a Disability Claim

Becoming disabled as a result of an on-the-job injury can be a frightening prospect. Worker’s comp or short-term employee benefits may cover the immediate cost of the injury and hospitalization. Some states offer temporary benefits to enable injured workers to get back on their feet. But if the doctor decides you are permanently disabled, your […]

Written by : Erik Abell & Joe Capitan

Last Updated: February 13, 2022
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