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...
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...
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...
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...
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...
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...
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...
Long-term disability insurance policies are often an important part of an employee benefits package. Your employer may offer supplemental disability coverage as a perk of employment. Alternatively, they may have a group plan that you can buy into for cheaper than a...