LTDI
CAN I RECEIVE OTHER BENEFITS WHILE RECEIVING LONG TERM DISABILITY BENEFITS?
Yes. Your long term disability insurance (LTDI) benefits provide you with a percentage of your income while you are unable to work. You may, however,...
CAN MY LONG TERM DISABILITY INSURANCE COMPANY MAKE ME APPLY FOR SOCIAL SECURITY DISABILITY BENEFITS?
Yes. Most long term disability insurance (LTDI) policies contain language that require participants who are receiving LTDI benefits to apply for Social Security Disability Insurance...
WHAT DO I NEED TO KNOW ABOUT SHORT TERM DISABILITY BENEFITS?
A lot of the posts on our blog focus on long term disability benefits. There are many issues, however, that are specific to claims for...
OBJECTIVE VS. SUBJECTIVE DOCUMENTATION OF DISABILITY
What can you do if your long term disability insurance (LTDI) claim has been denied for lack of “objective” medical evidence? To successfully appeal and...
MY DISABILITY PLAN SAYS WHAT!? WHY WHAT YOU DON’T KNOW COULD HURT YOU.
If you have disability coverage through your employer, you may assume that should you become injured or permanently disabled, your insurance will protect you from...
ARE YOU BEING FOLLOWED? SURVEILLANCE AND LONG TERM DISABILITY INSURANCE BENEFITS
When individuals apply for disability benefits, many insurance companies will hire private investigators to perform surveillance. Insurance companies do this in an effort to prove...
COURTS VIEW AN INSURANCE COMPANY’S CONFLICT OF INTEREST AS A MERE “FACTOR” AMONG MANY WHEN REVIEWING BENEFIT DENIALS
Often, the same disability insurance company that pays your claim for benefits also determines whether it has to pay you benefits at all. Sound like...
OWN OCCUPATION VS ANY OCCUPATION
Long term disability insurance plans provide benefits to employees who have become “disabled.” Initially, most plans define disabled as the inability to perform your own...
DOUBLE STANDARD? THE NEED TO FILE A STRONG INTERNAL APPEAL
If you have been denied long term disability insurance benefits, you should not wait until the matter ends up in court to vigorously contest the...