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…
Man filing for long term disability claim.

Why Do Insurance Companies Deny Long Term Disability Claims?

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…

Continue reading…