Is Crohn’s Disease a Disability?
Crohn’s disease and inflammatory bowel disease (IBD) are often considered “invisible disabilities,” but they can have profound effects on your life. It can be impossible to work when you need unscheduled restroom breaks and live with chronic pain—not to mention the stress of living with other effects of the disease, like malnutrition and other serious …
How to Apply for Long-Term Disability Insurance: A Professional’s Guide
At Bryant Legal Group, we get a lot of phone calls from people who need to file a long-term disability (LTD) insurance claim and don’t know where to begin. These people come from all walks of life, from blue collar workers to high-income professionals like doctors, lawyers, business leaders, and entrepreneurs. Many of these professionals are …
Can I Get Long-Term Disability Benefits for Chronic Fatigue Syndrome?
Chronic fatigue syndrome (CFS) is a relatively common condition that can cause debilitating fatigue. It can last for months or even years. CFS not only prevents many sufferers from maintaining full-time employment, but also significantly impacts the quality of their day-to-day lives. If you currently have a CFS diagnosis and you cannot work, you may …
Residual Disability Benefits in Private Disability Policies: What to Know
If you are suffering from an injury, illness, or other condition that has rendered you incapable of performing the duties of your occupation—even if only partially—then you may be entitled to significant disability insurance benefits under your private disability insurance policy. Depending on the details of your insurance plan, residual or partial benefits may be …
Can I Get Long-Term Disability Benefits for Ehlers-Danlos Syndrome?
Ehlers-Danlos syndrome, a genetic disorder associated with hypermobility, fragile skin, and other symptoms, affects as many as 1 in 5,000 people. While some people experience mild symptoms and relatively minimal day-to-day impairments, others deal with chronic pain and severe medical complications. If your Ehlers-Danlos syndrome symptoms prevent you from doing your job or maintaining gainful …
Disability Insurance for Small Business Owners: A Quick Primer on Coverage Options and Claims
Owning a small business requires a substantial investment of time, energy, and money—and no matter how careful you are, things do not always go exactly to plan. An injury or illness that keeps you or a key employee out of action for even a few months could have disastrous consequences for your business, not to …
Key Person Disability Insurance and Key Person Life Insurance: What Business Owners Need to Know
Any good business owner knows that people are a company’s most valuable resource. Making sure you have the right people in the right roles can make or break your company. That is especially true in a small business, where the loss of even one key employee may be enough to shut down an entire department, …
Disability Insurance for High Income Earners: Dealing With Unfair Claim Denials
According to the Centers for Disease Control, more than 1 out of every 4 American adults live with some form of functional disability. And despite many of the stereotypes that exist about people with disabilities, the truth is that this group of 61 million Americans cuts across all geographic, demographic, and cultural lines. Anyone can …
Does Cancer Qualify for Long-Term Disability? A Claimant’s Guide
Getting a cancer diagnosis is an incredibly stressful, difficult, and devastating experience. While doctors are learning more about cancer and mortality for most forms of cancer is dropping, you may have a hard time understanding your outlook and options while you fight the disease. On top of that, the process of getting long-term disability benefits …
Are Migraines a Disability? Getting Long-Term Disability for Migraines
If you are one of the estimated 12 percent of Americans who get migraine headaches at least occasionally, you know exactly how painful, debilitating, and frustrating they can be. Health experts, including those at the World Health Organization, have ranked migraine headaches as one of the most disabling medical conditions. The statistics are grim. Most …