Millions of Americans live with chronic conditions that can’t be seen – so-called “invisible” disabilities. When an injury or illness not readily apparent keeps someone from working, their employer’s long-term disability (LTD) plan may cover their condition. However,...
Top 4 reasons that long-term disability claims are denied
Few things are as stressful as suffering a debilitating injury or illness that prevents you from performing your job duties and earning a living. If your employer offers long-term disability (LTD) benefits and your condition is covered, you should be eligible for...
Rejection of long-term disability benefits
Employers usually offer long-term disability insurance to their employees. This type of insurance helps employees if they suffer an injury or develop a condition that keeps them from returning to work. If an insurance company approves an employee’s claim, they usually...
Denial of employer-provided long-term disability benefits
Employers sometimes offer long-term disability insurance as part of a group benefits plan, which provides financial help if you suffer an injury or develop a disabling medical condition that prevents you from working. Suppose your employer offers a long-term...
Long Covid and the pursuit of SSDI benefits
Imagine an illness where you seemingly never get better. That is what countless victims of long Covid experience on a daily basis. Diagnosed months, if not years ago, those suffering from this malady marathon are unable to make a living, if not enjoy life....
Tips for long-term disability claims for mental health conditions
As chronic mental health disorders gain more legitimacy, people who suffer from especially crippling conditions are applying for long-term disability in greater numbers. The insurance industry often lags behind medical opinion but filing a successful long-term mental...
How your social media posts can hurt your disability claim
The popularity of social media has been a gift to insurance companies. Now, they can gather enough detail to deny your disability claim in just ten minutes of scrolling instead of a week or more of surveillance. Even one innocuous social media post can be ammunition...
Tips for writing an ERISA appeal letter
A denial of long-term disability benefits can be a convoluted nightmare. But there is one part of this nightmare that you should approach with the mental clarity necessary to obtain your benefits: The appeal letter. Writing an effective letter of appeal is like...
You received a denial letter. Now what?
It can be both stressful and disheartening if your employer’s insurance company denies your claim for long-term disability benefits. Through this time of high anxiety, you must remember that you have the right to appeal this denial. However, before beginning the...
Frequently asked questions about ERISA disability claims
The federal Employee Retirement Income Security Act (ERISA) is in place to protect employees’ rights to receive disability benefits from private employers when they need them the most. But long-term disability claims are consistently denied by insurers for several...