Long-Term Care vs. Long-Term Disability Insurance: Key Differences and Which to Choose
No matter who you are, there is a very real chance you could someday lose your ability to work or care for yourself due to a disability or age. That’s why having a safety net for you and your loved ones is vital—and why understanding what plan fits your needs can be stressful. A long-term …
Long COVID Disability Benefits: 7 Things You Need to Know
If you or a loved one has had COVID, your symptoms may have long-term effects that interfere with everyday life, even months after your last positive test. This condition, known as long COVID, can affect anyone who has had COVID during the pandemic, even those who initially only experienced mild symptoms. Under new HHS guidelines, …
Can UNUM Deny Short-Term Disability Benefits Due to a Pre-Existing Condition?
Pre-existing condition clauses and limitations are relatively rare in short-term disability insurance policies. However, you should never assume that UNUM did not sneak exclusions and exceptions into the fine print of your disability insurance policy. UNUM is the largest disability insurance company in the United States, and they have a history of wrongfully denying short-term …
Meniere’s Disease and Long-Term Disability Insurance: A Claimant’s Guide
Meniere’s disease affects hundreds of thousands of Americans every year and causes disabling pain and suffering to many. Unfortunately, those who file for long-term disability are often denied due to a lack of information and assistance to help the understand the complexities of their claim. While filing a successful disability claim for Meniere’s disease can …
Is it Possible to Work With Dementia? (And When Is It Time to Leave Your Job?)
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 staff. While this seemed novel back then, Coach Summitt’s story is increasingly common today. Doctors are diagnosing dementia earlier and earlier. That means that many …
“Own Occupation” Disability Insurance Policies: A Guide for Doctors
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 terms in their private disability insurance policies—which are sometimes discovered only after you file for short-term or long-term disability. In this blog, our disability insurance lawyers …
Pregnancy and Disability Insurance: Are You Prepared?
For many women, pregnancy is one of their first encounters with disability insurance. If your state or employer doesn’t provide for paid maternity leave, there’s a good chance you will end up filing for short-term disability insurance benefits. And, if you suffer complications that make it difficult to return to work, you could also qualify …
How Do You Prove You Are Disabled Under a Disability Insurance Policy?
If you are filing a claim for short-term or long-term disability benefits, you need to be prepared. The insurance company will never take you at your word and pay your case. Instead, you will need compelling evidence that shows that you are disabled and meet all your policy’s criteria. It is not easy to build up …
What Is Private Disability Insurance (and Do I Need Coverage)?
If you are getting ready to file for disability benefits, you have encountered discussions about private disability insurance, ERISA plans, and Social Security disability. However, you might not really understand the precise differences between these policies and programs. In this article, the disability insurance lawyers at Bryant Legal Group explore private disability insurance, its importance, and common …
Why Does It Take So Long to Get Disability Insurance Benefits? Look Out for Bad Faith
It can seem like disability insurance claims drag on forever. Sometimes delays are justified and inevitable—it can take time to collect and evaluate all of your medical records and other evidence. However, not all delays are so innocent. Occasionally, insurance companies hold off on approving undeniably valid claims for disability insurance benefits, hoping that you’ll …