What Is a COLA Rider and Do I Need One on My Disability Insurance Policy?
Most of us understand that the value of a dollar changes over time due to inflation and the evolving cost of living. However, when you’re considering your disability insurance options, you might not assess how far your monthly benefit will go in five to ten years. What may seem like an adequate recovery may quickly become …
Arthritis, Hand Pain, and Disability Insurance: A Claimant’s Guide
Hand-intensive work that involves gripping, grasping repetitive motions, or vibration can take a toll on your body. As we age, studies show that we’re more likely to develop hand arthritis and pain—and if you’re a dentist, surgeon, or work in another field that requires dexterity and hand strength, your condition may quickly become disabling. If …
Will Volunteering Impact My Long-Term Disability Benefits?
Volunteering can help disabled individuals find purpose in their lives or even prepare them for re-entry into the workforce. Unfortunately, insurance companies sometimes use volunteer activities as an excuse to terminate long-term disability (LTD) benefits. How do you balance your need to contribute to society with your personal interests? In this blog, the disability insurance lawyers …
Can I Get Disability for Liver Disease? A Guide to Liver Disease and Long-Term Disability
Liver disease is more common than you might imagine. According to the Centers for Disease Control and Prevention, 4.5 million Americans have a diagnosed liver disease, and roughly 42,000 people die every year as a result. If you or someone you love is suffering from chronic liver disease that affects your ability to do your job, you should understand your options for pursuing long-term …
Disability Insurance Exclusions: We Answer Your FAQs
When you file a claim for individual disability insurance benefits, you assume everything will go smoothly. Unfortunately, even if you hand-picked your policy’s terms and conditions, you may discover that exclusions and limitations can impact your short-term and long-term disability benefits. In this article, we answer our clients’ frequently asked questions about policy exclusions. What Are …
Shoulder Pain and Disability Insurance: A Claimant’s Guide
Shoulder pain is incredibly common: about 18–26% of all adults will experience it in their lifetime. While some of us will recover relatively quickly, many people with shoulder problems experience chronic, disabling symptoms. At Bryant Legal Group, we help people with shoulder pain and dysfunction receive the disability insurance benefits they deserve. In this article, we explain …
Long-Term Disability vs. Social Security: What’s the Difference?
When you’re unable to work due to a serious injury, illness, or chronic condition, you’ll get a lot of advice. “File for disability” is a common suggestion that doctors, colleagues, and loved ones may offer. But, you’ll quickly find that “disability benefits” come in various forms. Should you file claims with your private or group disability insurance plan or the Social Security Administration? Sometimes, the …
How to Apply for Short-Term Disability Benefits in Illinois
As a professional or entrepreneur, you’ve worked tirelessly to build your practice or business. When a health issue or injury makes it impossible for you to do your job, you’ll need financial support while you care for yourself and focus on your recovery, and short-term disability is supposed to provide that support. Unfortunately, many claimants make mistakes …
Should I Meet With a Disability Insurance Representative?
It’s not uncommon for insurance companies to request face-to-face meetings with people who file short-term and long-term disability claims. The adjuster or representative may describe it as a “field interview” or simply as a “casual meeting.” However, most of these meetings have another purpose: the insurance company wants to spy on you. In this article, …
Post-Concussion Syndrome and Disability Insurance: A Claimant’s Guide
Most people who suffer a mild traumatic brain injury or concussion heal quickly, often within a month. However, not everyone is so lucky. Approximately 30% of people with concussions develop post-concussion syndrome (PCS), which can last a lifetime. If you live with PCS and can no longer work, you may be eligible for short-term or long-term …