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Long-Term Disability Insurance and Pre-Existing Conditions: 6 Things You Need to Know

September. 9, 2024

You've filed your application for long-term disability (LTD) benefits, carefully providing all the necessary information and submitting all your relevant medical records. When you get the insurance company's response, you're shocked...

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How to Appeal a New York Life Long-Term Disability Denial

August. 1, 2024

New York Life Insurance Company is one of the largest long-term disability insurance providers in the country, with roughly $1.5 billion in in-force premiums. That includes premiums from 9 million...

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What To Do if Your Long-Term Disability Benefits Are Terminated

February. 15, 2024

There's a huge relief that comes when your initial claim for long-term disability insurance benefits is approved and consistent monthly checks start coming in. No more financial insecurity. No more...

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How Long Can You Be on Long-Term Disability? It Depends

February. 9, 2024

If an injury or illness leaves you unable to work for an extended period of time, your long-term disability insurance can provide a crucial lifeline and make up for some...

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What Financial Advisors Need to Know About Long-Term Disability Insurance

January. 10, 2024

According to Northwestern Mutual’s 2023 Planning & Progress Study, an estimated 37% of American adults work with a financial advisor. The rates certainly are even higher among entrepreneurs, educated professionals,...

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How to Appeal a Guardian Long-Term Disability Denial

December. 12, 2023

With more than $23 million in in-force premiums, Guardian Life Insurance Company (often through its subsidiary Berkshire Life Insurance Company) is one of the largest providers of group disability insurance...

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How to Talk to Insurance Claims Adjusters About Your Long-Term Disability Case

November. 3, 2023

Whether you've just filed a long-term disability claim, or you've been on claim for years, chances are sooner or later you're going to have to talk to an insurance claims...

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Can You Get Long-Term Disability for Obstructive Sleep Apnea?

October. 13, 2023

Obstructive sleep apnea (OSA) is more than just snoring or restless nights. This sleep disorder affects millions of Americans and causes potentially severe health issues, including cognitive impairments that can...

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Is Crohn’s Disease a Disability?

August. 15, 2023

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...

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Quick Guide to Disability Insurance for Dentists: Take a Proactive Approach

When was the last time you reviewed your long-term disability insurance coverage? If you're like most dental professionals, it's been a while—and there's a good chance you've outgrown your LTD...

A woman with her hand on her forehead experiencing intense fatigue

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...

A couple discussing and researching disability information

Going from Short-Term Disability to Long-Term Disability? Avoid These Pitfalls

April. 19, 2023

If you're nearing the end of the coverage period for your short-term disability insurance—and you still can't work—you might be expecting a smooth transition from short-term benefits to long-term benefits....

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