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 Benefits
The value of long-term disability insurance
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....
Can chemo brain be permanent?
They are some of the worst words you can hear: It’s cancer. With that diagnosis comes fear of the treatment, fear of the outcome, fear of mortality. When cancer runs in a family, patients are haunted by what they experienced with them. Fortunately, each year,...
When an employer’s disability insurance benefits are not enough
Thorough preparation in all things related to finance remains crucial, and that includes understanding long-term disability insurance. All that preparation to secure firm financial footing for you and your family may not be enough if you suffer from a debilitating...
Americans with Disabilities Act marked its 30th year
July marked the 30th anniversary of one of country’s landmark civil rights laws that sometimes get overlooked, but not if you are a disabled person. The Americans with Disabilities Act (ADA) of 1990 was signed into law that year by President George H.W. Bush on July...
It is risky business to ignore long-term disability insurance
Some people question the worth of insurance policies, whether it is life, home or disability insurance. But when something happens that jars their lives, they would be grateful for having such insurance. Think about this if you are unable to work because of a...
Regulator: Insurers cannot discriminate against transgenders
In a move in tandem with the landmark U.S. Supreme Court decision making it illegal for employers to discriminate against gay and transgender workers, Wisconsin Insurance Commissioner Mark Afable declared that the same holds true when it comes to health care coverage...
Cognitive impairment may qualify you for long-term disability
Cognitive impairment disrupts the lives of many people in the U.S. Their personal and professional lives may be changed forever, and challenges likely surface at every turn. A person who suffers from cognitive impairment has difficulty remembering, understanding,...
The most common reasons for long-term disability claims
Life is unpredictable, even for younger Americans. The onset of a debilitating condition can come quickly, sometimes with little warning. According to federal estimates, about one in every four 20-year-olds today will become disabled before they reach the age of 67....
What can I do when my long-term disability benefits end early?
When you’re receiving long-term disability benefits, you may be surprised to discover a sudden reduction in your payments. Even worse, your benefits may be terminated altogether. It’s important to understand what options are available if you find yourself in this type...