A severe injury has taken you out of the workforce, and, now, you are worried. Your family depends on your income to keep the household running. While you have been diligent in creating an emergency fund of six months' expenses, you prepared in another important way....
Long-term Disability Benefits
Making sure you get long-term disability benefits
Long-term disability insurance is in place to protect workers and provide the financial support they need to pay for medical costs and living expenses if unable to work due to serious ailments. A medical emergency such as heart surgery, a traumatic brain injury from...
You don’t have to fight for long-term disability benefits alone
Long-term disability (LTD) insurance is a safety net that is supposed to catch you if you can no longer work due to a disabling illness or injury. But when the insurance company rejects your LTD claim, you face potentially catastrophic financial and health...
Does long-term disability insurance cover mental illnesses?
Our mental health can have a large impact on our overall health and wellness, and it is critical to recognize that mental illnesses affect more people than many might think. The National Institute of Mental Health reports that roughly one in five adults have a mental...
How long do long-term disability benefits last?
The pain became unbearable at times as you have been socked with a one-two punch of ailments: arthritis and back pain. Routine tasks at home became difficult, while the pain also affects your ability to perform your manufacturing job. And you wonder whether you ever...
5 things every employee should know about long-term disability insurance
For anyone with a steady job, long-term disability (LTD) insurance is a no-brainer. It serves as an essential safety net in case an injury or medical condition prevents you from working. While each policy differs, LTD generally provides a portion of your earnings to...
My long-term disability claim was denied. Can I sue?
If you submit a long-term disability claim and receive a rejection letter, don't fret. An initial denial is not the final word. Under disability plans governed by the Employee Retirement Income Security Act (ERISA), there are avenues for having your claim...
3 common reasons for a denied long-term disability claim
In an ideal world, taking care of yourself would be easy. Unfortunately, that's often not the way it works. Even if you plan ahead and take advantage of employer-offered long-term disability (LTD) insurance, you may find yourself in a tough spot: with a denial letter,...
Do you know the most common causes of long-term disability?
The number of adults in the U.S. living with a disability is staggering. The Centers for Disease Control and Prevention estimates about 61 million people — that’s one in every four adults — have at least one disability. This can significantly impact their ability to...
5 mistakes long-term disability applicants make
Countless ill, injured or disabled workers submit long-term disability claims every day. In fact, 20-year-olds today have a one in four chance of experiencing a disabling health event before retirement. Wisconsin workers should know that a long-term disability...