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 coverage. That’s why we’re encouraging dentists to review their current policies and take a proactive approach to disability planning. Why Dentists Need Good, Up-to-Date Disability …
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 full-time employment, but also significantly impacts the quality of their day-to-day lives. If you currently have a CFS diagnosis and you cannot work, you may …
Going from Short-Term Disability to Long-Term Disability? Avoid These Pitfalls
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. Unfortunately, it doesn’t always work that way—even if both policies are with the same insurance company and provided through your employer. Although your insurance company …
Can I Get Long-Term Disability Benefits for Ehlers-Danlos Syndrome?
Ehlers-Danlos syndrome, a genetic disorder associated with hypermobility, fragile skin, and other symptoms, affects as many as 1 in 5,000 people. While some people experience mild symptoms and relatively minimal day-to-day impairments, others deal with chronic pain and severe medical complications. If your Ehlers-Danlos syndrome symptoms prevent you from doing your job or maintaining gainful …
What to Look for in a Prudential Long-Term Disability Lawyer
The Prudential Insurance Company of America or Prudential Financial (often called “Prudential” for short) is one of the world’s largest and most successful financial services and insurance companies. Although the company is best known for offering life insurance and investment planning services, Prudential (via its subsidiary, Prudential Insurance Company of America) takes in an estimated …
What Medical Conditions Qualify for Long-Term Disability?
Getting approved for long-term disability (LTD) benefits can be a difficult and frustrating process. Policyholders often struggle to figure out what medical conditions are covered, what conditions are excluded, and how severe symptoms have to get before the insurance company will approve the claim. You should not feel bad if you find it hard or …
Are Migraines a Disability? Getting Long-Term Disability for Migraines
If you are one of the estimated 12 percent of Americans who get migraine headaches at least occasionally, you know exactly how painful, debilitating, and frustrating they can be. Health experts, including those at the World Health Organization, have ranked migraine headaches as one of the most disabling medical conditions. The statistics are grim. Most …
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-Term Disability and RA: A Claimant’s Guide
Rheumatoid arthritis (RA), an autoimmune disease that causes the immune system to attack its own tissues, can lead to debilitating side effects for those who suffer from it. In fact, according to a 2008 study, 35% of RA sufferers are unable to work within 10 years of their initial diagnosis. But does this mean you …
Anxiety and Long-Term Disability: A Claimant’s Guide
Every year, millions of people suffer from an anxiety disorder, and for many, the symptoms can be debilitating. For those who suffer, the symptoms can sometimes be debilitating and leave them unable to work, even with medication and treatment. Unfortunately, the complicated and frustrating disability claim process only leads to even more anxiety for those …