LTD applications Blog

If your long-term disability (LTD) claim has been denied, you must submit an appeal letter to the insurance company to have your case reconsidered. This appeal letter is your opportunity to present evidence and arguments showing why you meet your insurance policy’s definition of disabled. A long-term disability appeal letter sample can help guide you […]

When you’re facing a disabling medical condition that prevents you from working, you’ll need your doctor’s support to get approved for disability benefits. But what happens if your doctor refuses to fill out your disability forms? Can a doctor legally refuse to complete the paperwork you need for your disability claim? The short answer is […]

Typically, you can’t receive Social Security disability payments if you collect Social Security retirement benefits. However, you might be eligible for Supplemental Security Income (SSI) if you meet the requirements. The Social Security Administration (SSA) established the Social Security disability insurance program (SSDI) to bridge the gap between when employees can’t return to work due […]

Disability insurance helps to replace part of your income when you’re unable to work after a serious illness or injury. Disability insurance pays the benefit directly to you, which helps you cover your medical expenses and daily living costs. You may qualify for long term disability benefits if you have a long term disability insurance […]

If you have suffered a disabling condition that has kept you from working, you likely have concerns about how you will make ends meet going forward. Whether you have long term disability (LTD) insurance through your employer or bought an LTD policy on your own, you will have to file a claim to apply for […]

If you can no longer work due to an illness or injury, you need long-term disability benefits to support yourself and your family. When you file a claim for disability benefits from your long term disability insurance carrier, the insurance company will consider a variety of factors when making their decision about whether you’re eligible […]

If you’re suffering from chronic pain syndrome, you are not alone. A recent study estimates that roughly 50 million American adults deal with chronic pain. As a result, they may miss up to 3.5 times more days at work compared to the average American. In this post, we will cover some essential things you need […]

When it’s time to prepare your disability application, you will need to compile documentation that proves both your disability and your eligibility for benefits. There are multiple different types of evidence you should submit, covering both the medical nature of your disability and how it affects your professional life. This post will cover the best […]

When you need to file a disability claim, there are some things you need to keep in mind. The first is that it will take time for your claim to be processed. The next is that incomplete or missing information could lead to the denial of your claim. First Steps in Filing a Claim Almost […]

It should be simple to file for your long term disability insurance benefits. You fill out your claim form and send it in. Unfortunately, it doesn’t end there. You will need to send in supporting documents from your employer, your doctor, medical records, and documents from anyone else who treated you. Attending Physician Statement The […]