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What Happens to Your Employer-Sponsored Insurance When Your Employment Changes?

February. 18, 2026

Employment changes can be a stressful time whether it’s your choice or due to termination. Either way, you’ll have to navigate changes in your benefits such as health insurance coverage,...

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How to Approach Claims for Hidden Disabilities

January. 6, 2026

Sufferers of hidden disabilities, or disabilities that are not immediately apparent, can face additional struggles in their insurance claims. An invisible disability like chronic fatigue or fibromyalgia doesn’t show up...

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Can I Get Short‑Term or Long‑Term Disability for Alcoholism or Substance Abuse?

November. 24, 2025

Substance use affects every social, economic, and demographic group. According to the Substance Abuse and Mental Health Services Administration (SAMHSA), millions of people in Illinois struggle with the misuse of...

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What Is a Bad Faith Insurance Claim?

September. 30, 2025

When you buy an insurance policy—whether it’s health insurance, long‑term disability, or other coverage—you justifiably expect the insurer to treat you fairly. You pay premiums, you follow the rules, and...

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Do You Have to Pay Back Long-Term Disability Benefits?

August. 18, 2025

You’re finally receiving the long-term disability (LTD) benefits you deserve. After months or even years of medical appointments, paperwork, and waiting, the insurance company has started paying out. It should...

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Going from Short-term Disability to Long-Term Disability

Going from Short-term Disability to Long-term Disability When you file for short-term disability benefits, it’s usually with the expectation that you’ll recover quickly and return to work. For many people,...

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What to Do if The Standard Denies Your Long-Term Disability Claim

February. 25, 2025

With more than $1 billion worth of in-force premiums as of 2022, Standard Insurance Company—more commonly branded as The Standard—is one of America’s largest providers of long-term disability insurance. Their...

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How Much Long-Term Disability Coverage Do I Need?

January. 3, 2025

When we think about financial security, many of us consider health insurance, retirement plans, and emergency savings. One of the most overlooked pieces of the financial puzzle is long-term disability...

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How to Appeal a MassMutual Long-Term Disability Claim Denial

November. 6, 2024

The Massachusetts Mutual Life Insurance Company, MassMutual for short, is one of the largest insurance companies in the United States. They provide long-term disability coverage to individual policyholders, as well...

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How to Appeal a MetLife Long-Term Disability Denial

October. 10, 2024

Metropolitan Life Insurance Company—more commonly known as MetLife—is one of the world’s largest financial services companies. While MetLife is typically associated with life insurance and financial services, the company has...

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How Much Is My Long-Term Disability Settlement Worth?

October. 8, 2024

Long-term disability (LTD) benefits can be a lifesaver for people who are unable to earn an income due to sickness or injury. If you are not able to work for...

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How to Appeal a Prudential Long-Term Disability Denial

September. 12, 2024

With nearly $1 billion in in-force premiums, Prudential Financial (via its subsidiary, Prudential Insurance Company of America) is one of the 10 largest providers of long-term disability insurance plans in...

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Get the answers and insight you deserve. Our experienced disability insurance lawyers can evaluate your claim and help you understand all your legal options.