LTD (Long Term Disability) Benefit Advocates Blog

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 […]

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 application, you must remember that the insurance […]

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 […]

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 of us want to think about a serious or […]

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 […]