Blog: Long Term Disability
- Qualifying for long-term disability benefits
Jul 12, 2025
Long-term disability insurance coverage is sometimes part of a comprehensive benefits package. Some people also carry private policies to protect themselves and their family members. While most policyholders never require this type of coverage, it can be invaluable to those who experience sudden medical emergencies. Long-term disability insurance can help replace an individual’s wages when medical challenges prevent them from maintaining gainful employment. How long a condition and any related unemployment must last to qualify...Read More - 3 common challenges when filing a long-term disability claim
Apr 5, 2025
Long-term disability insurance is an important form of protection for working professionals. Those who are the primary wage earners for their families may need coverage to protect them from scenarios in which they become incapable of meeting their families’ needs. Those without spouses or close family members may need disability policies as they do not have a social safety net to protect them in the event of a major medical issue. Some people purchase private...Read More - How crucial is medical evidence in a long-term disability claim?
Jan 17, 2025
If you are pursuing a long-term disability insurance claim in Pennsylvania, the importance of medical evidence cannot be overemphasized. The success of your claim can hinge on the quality and comprehensiveness of the medical documentation you provide. Without strong evidence, your claim may face delays or even denial. The role of medical evidence Thorough documentation is the backbone of a successful disability claim. It should include documentation from health care providers that details your condition,...Read More - Can you take a vacation if you’re receiving LTD benefits?
Apr 16, 2024
If you’re receiving long-term disability (LTD) benefits after suffering a serious injury or illness that has left you unable to work, you may be afraid that if you leave your home for anything besides medical appointments, you risk losing your benefits. Even if you realize that your restrictions aren’t that extreme, you may believe you can’t take any kind of vacation or even travel out of town to see family or attend a wedding without...Read More - How a multi-hour test can help with a disability benefits claim
Apr 10, 2024
People sometimes invest in long-term or short-term disability insurance. Some people acquire coverage on their own for personal protection, while others obtain coverage through their employment. Their coverage can help them pay their cost-of-living expenses when they become unable to work due to medical challenges. When people need long-term or short-term disability coverage, they may expect an insurance company to be supportive and cooperative. However, many people face surprising challenges when seeking coverage that they...Read More - Can someone appeal after a denied long-term disability claim?
Feb 1, 2024
Individuals with long-term disability insurance provided by their employers usually don’t need to use this coverage. Only a tiny percentage of those who carry such coverage may apply for benefits after incurring an injury, getting diagnosed with a debilitating illness or experiencing a major medical event. Long-term disability insurance benefits help protect people who find themselves suddenly unable to work and therefore without income due to debilitating medical conditions. Long-term disability insurance benefits offered as...Read More - Reasons why your long-term disability claim may be denied
Oct 25, 2023
Being unable to work due to an injury is a difficult situation to find yourself in. Not only are you dealing with the physical and emotional aspects of your disability, but you are also likely facing financial difficulties. With stringent regulations for filing a disability claim, there is a likelihood that your claim may be denied. However, that doesn’t mean you will never receive benefits. Knowing why your claim was denied allows you to appeal...Read More - The simple mistake that can complicate long-term disability claims
Apr 26, 2023
The possibility of having a medical issue arise that prevents someone from supporting themselves or their family is a serious enough concern to warrant specialized insurance coverage. People can carry long-term disability coverage that will protect them for a few years or until they are old enough to retire by covering a significant portion of the wages they can no longer earn. Of course, when someone intends to make a claim that is worth tens...Read More - The risk that you face when settling long-term disability claims
May 2, 2022
Some people receive long-term disability insurance coverage as a benefit of their employment. Others buy private policies of their own to protect them and dependent family members in the event of a medical emergency. Long-term disability coverage helps you pay your bills when you can no longer work because of a medical issue. Private insurance is a crucial supplement to Social Security Disability Insurance, which offers benefits that are far too low for the average...Read More - Top 3 causes of long-term disability for workers
Apr 4, 2022
Some illnesses and injuries are just short setbacks. You get sidelined for a week or two, maybe even a month. But then you are back on your feet, going to work and earning money. However, other conditions can leave you permanently unable to work again. Then, you must consider the option of filing for long-term disability. Below are the three main reasons for needing long-term disability benefits: Musculoskeletal: Roughly 25% of all long-term disabilities arise...Read More