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what are functional limitations

What Are Functional Limitations? (And How Do They Affect a Disability Claim?)

November. 24, 2021
When you make a long-term disability claim, it is not enough to say that you cannot work. You must prove it. That means you need to have documentation that identifies...
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long term disability buyout calculator

How Much Is My Long-Term Disability Claim Worth?

November. 11, 2021
Long-term disability benefits can be a lifesaver for people who are no longer able to earn an income due to sickness or injury. If you are not able to work...
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short-term disability for burnout

Can I Get Short-Term Disability for Burnout?

October. 25, 2021
Intense workplace stress has been on the rise in the United States for years, and the problem has only been exacerbated by the COVID-19 pandemic. A 2018 Gallup survey of...
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Doctor calculating physician revenue metrics

Physician Revenue Metrics: Lessons from the Pandemic

October. 14, 2021
We do not need to tell you that the pandemic hit medical practices hard. As fewer patients scheduled appointments and non-essential care was paused, physicians were left with fewer options—and...
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Physician working on their medical practice revenue

4 Meaningful Ways to Increase Your Medical Practice’s Revenue

October. 1, 2021
Over the past several years, medical practices (especially primary care practices) have struggled with their revenue streams—and the COVID-19 pandemic accelerated this trend. In an AMA survey, most doctors noted...
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Why Was My Loved One’s Long-Term Care Insurance Claim Denied?

September. 25, 2021
[xyz-ips snippet="Share-Dropdown"] As we age, our chances of needing long-term care increase—and about 53% of us will need some form of long-term care for more than a year. In 2020,...
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Chrohn's Disease

Crohn’s Disease and Long-Term Disability Insurance: A Claimant’s Guide

September. 16, 2021
Crohn’s disease and inflammatory bowel disease (IBD) are often considered “invisible disabilities,” but they can have a profound effect on your life. It can be impossible to work when you...
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Can I Get Disability for My Back Surgery? A Claimant’s Guide

August. 31, 2021
An estimated 60 to 80 percent of us will experience back pain during our lifetime. When conservative treatment options like injections and physical therapy do not control your chronic back...
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Is it Possible to Work With Dementia? (And When Is It Time to Leave Your Job?)

August. 10, 2021
In 2011, legendary basketball coach Pat Summitt announced that she had been diagnosed with early-onset dementia. She continued to coach the Tennessee Volunteers for another season with support from her...
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What Is Long COVID and Can I Get Long-Term Disability for the Condition?

July. 8, 2021
We have learned a lot about COVID-19: how it is transmitted, how we can fight the disease, and who is most at risk. However, we are only just beginning to...
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Not Returning to Work After Short-Term Disability? What You Need to Know

Not Returning to Work After Short-Term Disability? What You Need to Know

June. 30, 2021
[xyz-ips snippet="Share-Dropdown"] Most people expect that they will recover quickly after a surgery, unexpected illness, or injury. They file a claim for short-term disability assuming that they will soon be...
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“Own Occupation” Disability Insurance Policies: A Guide for Doctors

June. 10, 2021
You have probably heard that doctors and other medical professionals should invest in “own occupation” disability insurance. However, many physicians do not realize that insurers sometimes include loopholes and unfavorable...
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