Pennsylvania LTD Information Blog Blog

If you are covered by long-term disability insurance through your employer, it is likely governed by a federal law called ERISA. While this law was designed to protect employee benefits, it often creates more obstacles than support when trying to get the benefits you are owed. ERISA can make the LTD claim process feel stacked […]

Being on long-term disability (LTD) often means dealing with a significant drop in income. Whether healing from an injury or managing a long-term health issue, it’s natural to wonder who pays for your insurance. At the same time, on LTD, especially when every expense starts to feel heavier. Your finances probably look different than when […]

Long-term disability (LTD) benefits and legal options can provide crucial financial support if you are unable to work due to illness or injury. But when tax season arrives, many people wonder: Are long-term disability benefits taxable? The answer depends on key details, like who paid the premiums and whether they were paid with pre-tax or […]

Medical evidence is the backbone of any long-term disability (LTD) claim. It’s not enough to say how your condition affects you—your insurer needs proof. Without strong documentation, even a valid claim can be denied. Knowing what to include and how to present it can significantly improve your chances of approval.  Why Medical Evidence Is Critical […]

If you’re self-employed, you already juggle a lot—clients, operations, and income stability. What happens if you become too sick or injured to work and unable to work? Unlike traditional employees, you don’t have the luxury of a company-sponsored disability plan. That’s why understanding long-term disability for self-employed workers is so important. If you can’t work, […]

Living with a neurological disorder can be overwhelming. These conditions can interfere with your ability to think clearly, move normally, and perform daily tasks. If your symptoms prevent you from working, you may be eligible for long-term disability (LTD) benefits, but insurance companies don’t always make that process easy. For those with neurological disorders, LTD […]

As expected, Pennsylvania long-term disability insurance needs policies involve lengthy, detailed contracts. Unfortunately, you can’t merely skim your policy documents. Understanding the fine print is crucial for your case, particularly if your insurer denies your disability claim or tries to reduce your benefits. How Long-Term Disability Insurance Works Long-term disability (LTD) insurance provides income if […]

Getting long-term disability benefits in Pittsburgh, PA, isn’t just about proving you’re sick or injured. You must show how your condition affects your ability to work. That’s where your doctor comes in. Their medical records, notes, and opinions can carry serious weight with insurance companies. A doctor who understands the LTD claims process can help […]

Can you work while on long-term disability (LTD) in Pennsylvania? Maybe – it depends on your policy’s specific language and disability status. Some policies allow part-time or lower-paying work. Others treat any earned income as a reason to reduce or stop your benefits. Your benefits may also change based on how much you earn. Since […]

Many people are surprised to learn they need to repay some of their long-term disability benefits after qualifying for SSDI. This often happens because LTD insurance policies typically contain offset provisions, which are clauses that reduce your LTD payments by your SSDI amount. If there’s overlap with your SSDI benefits or you receive back pay, […]