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Reporting Changed Circumstances to the LTD Company: When Is It a Good Idea?

September. 29, 2020
ourself in a confusing situation. It’s not uncommon for disabled people’s conditions to improve (or ebb and flow). However, the disability insurance company may argue that you’re no longer eligible...
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Long-Term Disability vs. Social Security: What’s the Difference?

September. 22, 2020
chronic condition, you’ll get a lot of advice. “File for disability” is a common suggestion that doctors, colleagues, and loved ones may offer. But, you’ll quickly find that “disability benefits” come in various forms. Should you file claims...
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How to Apply for Short-Term Disability Benefits in Illinois

September. 16, 2020
ild your practice or business. When a health issue or injury makes it impossible for you to do your job, you’ll need financial support while you care for yourself and...
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Should I Meet With a Disability Insurance Representative?

September. 9, 2020
meetings with people who file short-term and long-term disability claims. The adjuster or representative may describe it as a “field interview” or simply as a “casual meeting.” However, most of...
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Who Pays My Attorney Fees Under ERISA?

September. 4, 2020
njury, hiring a lawyer may seem like an unwanted expense. However, federal disability insurance laws may allow you to try to collect some attorney fees from your disability insurance carrier...
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Post-Concussion Syndrome and Disability Insurance: A Claimant’s Guide

September. 1, 2020
heal quickly, often within a month. However, not everyone is so lucky. Approximately 30% of people with concussions develop post-concussion syndrome (PCS), which can last a lifetime.If you live with...
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Are Short and Long-Term Disability Benefits Taxable?

August. 26, 2020
sability benefits, are currently involved in a disability insurance dispute, or are already getting benefits, chances are you’ve at least considered the tax consequences. Unfortunately, there’s no simple answer to...
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Variable Income: How Much Does Long-Term Disability Pay?

August. 18, 2020
s owners, salespersons, freelancers, or receive performance-based commissions or bonuses. If your income is variable on a day-to-day, week-to-week, or month-to-month basis, you may be concerned about the potential impact...
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Kidney Disease and Disability Insurance: A Claimant’s Guide

August. 13, 2020
out 37 million people live with CKD, and many more cases are undiagnosed. Kidney disease is the ninth leading cause of death in the United States; every day, about 340...
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Dentist working with a patient

Dentists and Long-Term Disability

August. 12, 2020
ls 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, injury, or disability can endanger everything...
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Lupus and Disability Insurance: A Claimant’s Guide

August. 7, 2020
s, and roughly 16,000 more are diagnosed each year. If you’re living with this complicated disease, you know its challenges first-hand. Lupus is hard to diagnose and treat, and many...
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