Long Term Disability Law Blog

If you’ve been struggling with a disability and relying on long-term disability (LTD) benefits, you may receive an offer from your insurance company to settle your claim with a lump-sum buyout. This offer can be tempting—after all, a large payout sounds like an opportunity to put your worries behind you. But before you decide, it’s […]

If you’ve spent years training for your profession and suddenly you are unable to perform your job due to a disability, you’d still want to maintain your income. That’s where “own occupation” disability insurance comes in. This type of insurance provides income protection specifically for your unique role, providing benefits if you can no longer […]

Losing your job is stressful, especially if you are dealing with a disability. If you’re relying on long-term disability (LTD) insurance, you might have questions. One could be, “What happens to long-term disability if you lose your job?” The good news is that losing your job does not necessarily mean losing your LTD benefits. Understanding […]

Mental health conditions can be just as debilitating as physical illnesses, affecting your ability to work and maintain daily life. If you’re struggling with a psychiatric condition that can prevent you from working, you might wonder, “Can I get long-term disability for mental health?” The answer is yes, but there are important considerations to understand […]

When planning for the future, it’s important to consider how you would manage financially if you were suddenly unable to work due to a disability. Disability insurance serves as a safety net, offering financial support when needed. However, not all disability insurance policies are the same. There are key differences between individual long-term disability insurance […]

Receiving long-term disability (LTD) benefits can be a lifeline when you’re unable to work due to a disabling condition. However, there are circumstances in which you may be required to repay a portion of these benefits, especially when offset provisions or overpayments come into play. This includes considerations regarding the repayment of long-term disability benefits […]

If you’re considering purchasing disability insurance or already have a policy, you may be wondering about the tax implications. One common question our long-term at hear is whether disability insurance premiums are tax-deductible in Pennsylvania. The answer isn’t always straightforward, as it depends on various factors, such as the type of disability insurance and who […]

If you’re involved in managing an employee benefit plan in Pennsylvania, you may have come across the term “ERISA bond.” But exactly what is an ERISA bond, and what does it cover? Let’s explore the ins and outs of ERISA bonds, their importance, and their specific application in the Keystone State. Understanding ERISA Bonds ERISA, […]

If you’re employed in the private sector, you’ve likely heard of ERISA, but you may be unsure whether your employee benefits fall under this federal law. You may wonder, “How do I know if I have an ERISA or non-ERISA plan?” Understanding the difference between ERISA and non-ERISA plans is crucial for knowing your rights […]

The Employee Retirement Income Security Act (ERISA) protects workers’ interests regarding employee benefits. However, not all employee welfare plans fall under ERISA’s jurisdiction. Understanding what makes an employee welfare plan exempt from ERISA regulations is important for employers and employees. Understanding ERISA and Employee Welfare Plans ERISA, enacted in 1974, is a federal law that […]