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…

Should you experience a disabling injury or illness that prevents you from working, long term disability insurance can be a big help, to say the least. Long term disability insurance benefits will work as a type of income replacement while you are unable to work. Will, however, the benefits replace the full amount of your…

If you are on long-term disability leave, you likely have a lot on your plate. Dealing with a disability can be all-consuming. On top of this, you may be concerned about whether or not you can and will be fired while you are recovering from your disability, whether a physical injury, a physical illness, or…

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…

Sometimes, employers will offer employees access to long-term disability insurance as part of a benefits package. Long-term disability insurance can provide critical financial support should a person be unable to work for an extended period of time due to injury or illness. Most of us heavily rely on our employment income to make ends meet…

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…

Receiving a denial of your long-term disability claim can trigger a flood of anxiety. You are seeking vital benefits and the prospect of not receiving them can be stressful, to say the least. If you have received notice that your long-term disability claim has been denied, you are probably wondering what, if any, options you…

Employer-provided long term disability policies are subject to governance by the Employee Retirement Income Security Act (ERISA). ERISA is a federal law providing for long term disability claims to be evaluated by claims administrators. These claims administrators, however, are often employed by the insurance company with which you have your long term disability policy. This…