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Pennsylvania LTD (Long Term Disability) Benefit Advocates Blog

June 15th, 2022

How To Choose Supplemental Insurance Options While Disabled

If you become disabled and need to file for long term disability benefits, you might discover that you need additional help covering your medical expenses while you wait for a determination. You’ll need supplemental insurance for the expenses not covered by your primary insurance. Your next question might be whether you can apply for supplemental […]

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Pennsylvania LTD (Long Term Disability) Benefit Advocates Blog

February 4th, 2022

The Impact of the Social Security Disability Claim Process on Your Group Long Term Disability Insurance Claim

A group long term disability claim is insured by a private insurance company or sometimes by a self-insured employer. A Social Security disability claim is insured by the federal government and administered by the Social Security Administration. These claims are completely separate disability claims; however, the SSD claim process and the outcome of that process […]

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Pennsylvania LTD (Long Term Disability) Benefit Advocates Blog

January 26th, 2022

Watch Out for Limited Coverage Conditions and Hidden Policy Surprises

The coverage offered by Long Term Disability (“LTD”) insurance policies can significantly vary across insurance companies and different employers. However, it is increasingly common to see policy language with broad exclusions or limited pay periods for certain medical conditions. Studies have found that these are the five most common medical conditions (in order) that result […]

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