LTD (Long Term Disability) Benefit Advocates Blog

Are you considering transitioning from short term to long term disability? Making the switch from short term to long term disability is an important decision and can be a stressful process. There are a number of factors to consider when deciding to transition, such as the length of time you will be on disability, your […]

Injuries or diseases of the back can cause intense, debilitating, and long-lasting pain. If you cannot work due to severe back pain, you might consider pursuing financial support through long term disability (LTD) benefits. Back Pain Conditions that Could Qualify Back pain by itself does not qualify someone for long term disability benefits. There must […]

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 […]

If you become disabled and need to file for long term disability benefits, you might discover that you need additional help covering your medical expenses while you wait for a determination. You’ll need supplemental insurance for the expenses not covered by your primary insurance. Your next question might be whether you can apply for supplemental […]

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 […]

If you are experiencing pain every day, life can seem impossible. You may have tried various treatment methods without getting the results you need. You should not have to live with constant pain. The recent opioid epidemic in the United States has emphasized the need for alternative pain management options. Each day, an average of […]

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 […]

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 […]

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 leg in three places as proof. What can you […]