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Long-Term Disability Benefits Archives

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 outcomes.

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 help make ends meet while you're not earning a paycheck.

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 reconsidered.

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, even though you are unable to continue your work.

FMS test helps patients fight for long-term disability benefits

Fibromyalgia syndrome (FMS) is a rheumatoid disorder of the muscles and bones that causes pain and fatigue. Patients and doctors understand full well the condition's devastating effects and how it can prevent people from working - and a new blood test helps make that clear to insurers, too.

Long-term disability insurance explained

We read with interest a recent article on a personal financial news website about two programs that help employees who are unable to continue working because of injury or illness. Both are familiar to regular readers of our Milwaukee employment law blog: Social Security Disability Insurance (SSDI) and long-term disability insurance (LTD).

ERISA: protecting workers who need disability insurance benefits

President Gerald Ford had been in office less than a month when he put his signature on the Employee Retirement Income Security Act of 1974 in a Labor Day White House ceremony. Since then, ERISA has been amended a number of times to strengthen its protections of American workers.

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