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Spinal Cord Stimulators and Disability: Do I Qualify for LTD?

January. 5, 2021
When you’re living with chronic back pain or a spinal cord injury, you may be willing to try anything to alleviate your symptoms. From physical therapy and surgeries to chronic...
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Will Volunteering Impact My Long-Term Disability Benefits?

December. 22, 2020
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...
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Is Seeing Believing? Disability Insurance Surveillance and Credibility

November. 17, 2020
Disability insurance companies frequently use video surveillance and other tactics, hoping to prove you’re exaggerating your symptoms. While no one likes the feeling of being watched, most surveillance is harmless....
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Long-Term Disability for Nurses: Get the Benefits You Deserve

October. 28, 2020
Nurses and other healthcare professionals spend their days focused on other people’s health and wellness. However, when healthcare workers find themselves unable to work due to their own chronic health...
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Are Short and Long-Term Disability Benefits Taxable?

August. 26, 2020
Whether you’re interested in submitting a claim for long-term disability benefits, are currently involved in a disability insurance dispute, or are already getting benefits, chances are you’ve at least considered the...
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Dentists and Long-Term Disability

August. 12, 2020
Dentists, orthodontists, endodontists, and other dental professionals often purchase long-term disability (LTD) insurance as a safety net. Many of these providers have built thriving businesses, and they know that an unexpected illness,...
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UNUM Field Visits: How to Protect Your Privacy and LTD Claim

July. 14, 2020
“It’s easier if we talk this over face-to-face,” says your UNUM claims adjuster. “We’ll drive to your home to go over the paperwork.” They suggest an in-person meeting. Unfortunately, UNUM’s...
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What is ERISA

What Is ERISA? We Answer Your Long-Term Disability Insurance Questions

June. 11, 2020
It can be hard to find reliable, understandable information about disability insurance law. Online search engines often confuse disability insurance and Social Security, which can lead to confusion and bad...
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How to Prove Long-Term Disability in an ERISA Claim

May. 12, 2020
Before an insurance adjuster approves your disability insurance claim, they will investigate and look for reasons to deny or limit your benefits. You need to anticipate this investigation, which is...
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Can I Get Long-Term Disability Due to Coronavirus?

May. 8, 2020
As of April 12, 2020, there have been more than 20,800 confirmed cases of coronavirus in Illinois, with over 8,500 of those cases occurring in Chicago. Thankfully, in our state, only 3%...
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Is Someone Watching Me? LTD Claims and Surveillance

April. 9, 2020
During a long-term disability (LTD) claim, it’s common to feel like you’re under intense scrutiny. The insurance company may ask you the same questions a dozen different ways. It may...
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Top Reasons Why UNUM Denied Your LTD Claim

January. 9, 2020
If you received a long-term disability denial (LTD) from UNUM, you’re not alone. Considered by many ERISA lawyers as the worst LTD insurer, UNUM sometimes uses aggressive and unfair tactics to reduce the number...
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