LTDI
ME/CFS and Long-Term Disability Benefits: Understanding the Legal Challenges
Myalgic Encephalomyelitis/Chronic Fatigue Syndrome (ME/CFS) is a serious medical condition that is characterized by severe fatigue, post-exertional malaise, sleep disturbances, and a range of other...
Multiple Sclerosis and the Difficult Road to Long-Term Disability Benefits
Multiple Sclerosis (MS) is a chronic medical condition that is characterized by brain fog, fatigue, muscle weakness, and many other debilitating symptoms that limit a...
Why Your Long-Term Disability Appeal May Decide Your Entire Case Before You Ever Get to Court
Many LTD claimants whose claims get denied plan to handle an appeal on their own and then involve an attorney if the insurer denies their...
How One Line in Your Medical Records Can Damage Your Long-Term Disability Claim
If I were handed a stack of medical records and told that a disability insurance company denied this patient’s claim, I could often point to...
Can My Long-Term Disability Claim be Denied Because My Condition is Pre-Existing?
If you have had a chronic condition that recently worsened, you might be wondering if your long-term disability (LTD) claim could be denied on the...
What to Expect When Settling a Long-Term Disability Claim
Settling a long-term disability (LTD) claim is often more complex than it first appears. Most people naturally focus on the settlement amount, since that is...
When Work Becomes Impossible: A Guide to Navigating Long-Term Disability While Living with Cancer
There’s a quiet moment in many people’s cancer journeys when you realize that pushing through at work isn’t sustainable. You may still get out of...
Why Long Term Disability Insurers Require You to Apply for SSDI (And How It Affects You)
If you have been receiving long term disability (LTD) benefits, you have probably received a letter from your insurance company telling you to apply for...
When Back Pain Stops You from Working: Navigating Long-Term Disability Claims
According to the World Health Organization, low back pain is the leading cause of disability worldwide. With the prevalence of this condition, many people are...