LTD (Long Term Disability) Benefit Advocates Blog

Have you suffered an injury or medical impairment that affects your ability to work but has not prevented you from doing so entirely? If so, you could be entitled to partial disability benefits, provided you have disability insurance through your employer or because you purchased it yourself. These benefits pay a percentage of your missing […]

Is a mental health issue interfering with your ability to do your job in Philadelphia, Pennsylvania? If so, you might wonder if mental health short term disability benefits are available. Short term disability benefits can replace part of your wages when a health condition negatively impacts your ability to work. Technically, it may be possible […]

Has an insurance company denied your claim for long term disability benefits in Philadelphia, Pennsylvania? You can submit an appeal if so. How long does a disability appeal take? There’s no universal answer to this question. That said, the law typically requires insurance companies to make decisions about appeals within a reasonable timeframe. The Process […]

Filing a disability insurance claim in Philadelphia, Pennsylvania, is a way to seek financial assistance when you can’t work. Disability insurance helps when illness or injury prevents you from working and earning an income. However, insurance companies may look for reasons to deny claims. A policy’s pre-existing condition exclusions may determine whether the policy covers […]

A disability doesn’t have to permanently or totally prevent you from working to affect your finances. Maybe you’re a Philadelphia, Pennsylvania, worker whose disability partially limits their ability to perform work duties. Losing some ability to work can lead to a reduction in income. Disability benefits may help when your income goes down because an […]

Long-term disability (LTD) benefits in Philadelphia, Pennsylvania, can help cover living expenses if you can’t work. When you have a disability, the question of returning to work as you improve can lead to other concerns. For example, you’ll lose LTD benefits if you start working again. What happens if your condition worsens? If you need […]

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 financial situation, and the […]

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 […]