LTD (Long Term Disability) Benefit Advocates Blog

If you were disabled after an accident or illness and can no longer work, you will no doubt apply for benefits under your long term disability insurance policy. You no doubt performed research before you purchased your policy to determine what the best benefits would be for your situation. However, if you purchased it a […]

If you were disabled in an accident or by an illness and weren’t able to return to work as a result of your disability, you could seek benefits for the income you lost through a long term disability insurance policy. If you were disabled in a work-related accident and can’t return to work, you could […]

Becoming disabled as a result of an on-the-job injury can be a frightening prospect. Worker’s comp or short-term employee benefits may cover the immediate cost of the injury and hospitalization. Some states offer temporary benefits to enable injured workers to get back on their feet. But if the doctor decides you are permanently disabled, your […]

If you’ve filed an insurance claim for long term disability due to a work-related injury, you’ve already heard from countless people that your claim will probably be denied. It is unfortunate but true that most disability claims are rejected the first time they are sent to the insurance company. Some of these denials are for […]

When you married, you and your spouse understood that you would share everything—bed, food, time, and income. That’s normal, and it’s what you want to do with the person you love. As your family has grown, the idea of sharing has expanded. But now you’re disabled and are applying for long-term disability benefits. Will your […]

You’ve thought about what retirement might look like someday, but you always believed that you alone would make that call. Suddenly, because of an injury or other medical condition, you just can’t work a job with significant physical demands anymore. You’re experiencing frustration, confusion, and concern about what your future looks like. You can probably […]