How to Appeal a Prudential Long-Term Disability Denial
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 the United States. They also, like many large insurers, have a long history of unfairly denying legitimate claims. Courts have had to hold them accountable …
Long-Term Disability Insurance and Pre-Existing Conditions: 6 Things You Need to Know
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 to see a denial of benefits. The insurance company found that your disabling conditions were pre-existing (and therefore, not covered by your policy). At Bryant …
How to Appeal a New York Life Long-Term Disability Denial
New York Life has a reputation for wrongfully denying long-term disability claims. If you’ve been denied, you only have a limited time to file a comprehensive appeal. Here’s how.
What To Do if Your Long-Term Disability Benefits Are Terminated
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 worrying about being able to afford the life you worked hard to build. Right? Unfortunately, it doesn’t always play out that way. Long-term disability benefits …
How Long Can You Be on Long-Term Disability? It Depends
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 of your lost income. However, monthly benefits probably won’t last forever. Every policy has its own rules about when benefits begin and how long they …
What Financial Advisors Need to Know About Long-Term Disability Insurance
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, and high wage earners. Financial advisors play a critical role in helping their clients invest, manage risks, and protect their financial future. And that very …
How to Appeal a Guardian Long-Term Disability Denial
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 policies in the United States. Physicians and highly educated professionals are especially likely to have disability benefits through Guardian, as it is one of the …
How to Talk to Insurance Claims Adjusters About Your Long-Term Disability Case
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 adjuster, who will be responsible for approving or denying your claim. Insurance adjusters (often also referred to as claims handlers or claims analysts) are a …
Can You Get Long-Term Disability for Obstructive Sleep Apnea?
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 disrupt your daily life. For professionals, the cognitive impacts from this “invisible” disability can be especially concerning, as they can hinder your ability to excel …
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 …