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When you’re unable to work due to a physical or mental condition, you will hope that you will receive long-term disability benefits through your employer’s insurance policy or your own insurance policy. Unfortunately, the denial of valid claims happens all of the...
When you can't work because of a long-term injury or illness, you have a lot of concerns about how you'll pay your bills. You may soon exhaust your short-term disability coverage and need to make a long-term disability (LTD) claim. However, what you may not realize is...
Whenever you take a new job, you have a lot of paperwork to fill out and decisions to make. Do you have options as to what health plan you’ll receive? How much will you contribute to your 401K? Will you sign up for short-term and long-term disability insurance? If...
The majority of U.S. workers haven’t protected their income with disability insurance, opting to forgo short-term or long-term disability benefits through their employer, according to recent claims data. Even more surprisingly, 7 out of 10 baby boomers don’t have...
Long-term disability provides a safety net for people unable to work for long periods of time due to debilitating illnesses, severe injuries or a sudden accident. Many families find themselves at a crossroads in such situations because they face financial ruin without...
Many employers provide long-term disability insurance to workers. Employers usually fully pay for such policies. Providing long-term disability benefits is not a legal requirement, but companies consider doing so represents a strong lure that attracts prospective...
When you’ve been out of work for months because of a serious illness or injury, you may need to apply for long-term disability benefits. First, you need to have opted into your employer’s long-term disability insurance plan, plus have had coverage long enough to...
Long-term disability insurance is an important safety net. As a form of private insurance, it provides coverage for those unable to work due to crippling medical conditions. Keen to protect their bottom line, however, insurers often find reasons to deny claims....
Unfortunately, many employees rely on long-term disability to recover from severe injuries or life-changing diagnoses. It's not only workers with dangerous workplaces or treacherous positions that are eligible. However, long-term disability may not cover the full...
Long-term disability insurance often gets overlooked by American workers. Some do not think they need it because they remain healthy and expect to stay that way for the rest of their lives. No serious injury or chronic medical condition will ever happen to them....
