disability insurance

What Is the Elimination Period?

When you are out of work for an extended time due to a disabling injury or medical condition, it may seem that long-term disability benefits cannot kick in quickly enough. Medical bills piling up can be daunting under the best of circumstances. Add in the fact that you are unable to work due to your…

Continue reading…
independent medical examination

IMEs and Long-Term Disability Claims

If you have sustained an injury or illness that is preventing you from working for an extended period of time, you will likely want to access any available long-term disability benefits. In the vast majority of cases, the long-term disability claims process will require participation in an independent medical examination (IME). If you review your…

Continue reading…
social security disability

How Can SSD Impact Long-Term Disability Claims?

Have you sustained a disabling injury or are unable to work due to other medical complications? If so, you may have done some research and are aware of several different programs that offer benefits to those with disabling conditions. The requirements and application procedures for these programs can, in and of themselves, be difficult to…

Continue reading…
man with long term disability

What Is Long Term Disability Insurance?

Have you heard of long term disability insurance? Have you heard of it, but are not really sure what it is? Long term disability insurance, like other types of insurance, can be very helpful should the need arise. Here, we will go over what exactly long term disability insurance is and why you might want…

Continue reading…
long term benefits

How Long Do Long Term Benefits Last?

Long term disability insurance provides benefits in the form of income when you are unable to work for an extended period of time, such as several months or years, even decades in some cases. While many other insurance types will usually pay out lump sum benefits, such as life insurance benefits, long term disability policies…

Continue reading…
woman with chronic pain in her wrist

What Conditions Qualify for Long Term Disability?

If a serious illness or injury prevents you from going to work, then you may be able to access short term or long term disability benefits. While short term benefits are meant to help provide income replacement immediately following the serious illness or injury, long term benefits are meant to help provide financial support should…

Continue reading…