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Long-Term Disability Benefits Archives

Insufficient medical evidence leads to long-term disability denial

Many Wisconsin residents have long-term disability insurance policies through their employers. Despite the fact that the terms and administration of these plans must comply with federal law, long-term disability insurers are notorious for denying claims.

Appeals court: disability insurer has conflict of interest

As many workers in Wisconsin know, long-term disability is meant to protect workers if they are to become disabled before they retire. Sometimes, workers purchase a long-term disability policy directly from an insurer, and other times it is offered as part of an employment benefits package. As is generally the case with insurance, long-term disability insurance is an important safety net but we all hope we never have to use it. And, if we do have to use it, we may be in for a battle just to get the compensation to which we are legally entitled.

Do you know much about your long-term disability benefits?

Here in Milwaukee, and throughout the country, employees may have certain rights to long-term disability compensation. Long-term disability insurance coverage is meant to protect workers if they become disabled before retiring. Sometimes, this type of insurance is purchased directly from an insurance company, but in other cases it is a part of a standard benefits package offered by an employer.

This one's for the Olympic athletes: Got disability insurance?

Every two years, just about everyone becomes a sports fan. The Winter and Summer Olympics have a way of drawing people in, even those of us who program our remotes to skip every sports channel on cable (and there are quite a few). The two weeks of Olympics this summer have seen more people than will admit it watching even the preliminary-preliminary heats of swimming and track events. We have no idea what we're watching, but we are transfixed.

Friends and Family Lend Helping Hand for Disability benefits

During an application for Social Security Disability benefits, family and friends can June 2012 image.jpglend a helping hand by providing supporting evidence at various stages. The first is completing a Function Report - Adult - Third Party. This is a form sent by Social Security asking that someone other than the claimant but familiar with them to describe the claimant's disability, daily life activities and provide any other supporting information.

Recent court decision shows importance of disability insurance

A recent court decision from another state makes a few important points that Wisconsin workers can benefit from. The plaintiff in the case suffered from chronic fatigue syndrome, a medical condition we discussed in our June 2 post. Unable to work, the plaintiff filed for and received long-term disability insurance benefits.

Retirement age changes; need for disability insurance does not (p2)

Most baby boomers will not have the retirement their parents had. To borrow a term from the headlines, the 99 percent of us who make an average wage and save an average amount for our "golden years" have watched our savings dwindle with the stock market over the past couple of years. Chances are good that we'll be in the workforce for a few years after our official retirement age.

Retirement age changes; need for disability insurance does not

When the recession hit and the stock market plummeted, more than a few workers watched their savings disappear. Hard-earned retirement funds dropped in value by as much as half. For younger workers, the result was a change in investment strategy. For older workers, though, the result was a change in retirement plans: They would stay in their jobs for as long as possible if only to maintain their benefits.

Dog tired, people with chronic fatigue syndrome have no answers

For some time now, researchers have been looking for clues to what causes chronic fatigue syndrome. Without knowing what's behind it, the medical community can't treat the disorder. The disorder is very real, though, especially to the 25 percent of sufferers that are unemployed or receiving disability benefits. According to the Centers for Disease Control and Prevention, a family with a wage earner suffering from CFS loses $20,000 every year in earnings. Every year, the CDC says, the U.S. suffers $9 billion of lost productivity because of CFS.

Taking a risk, most employees lack long-term disability insurance

Following up on our discussion of stroke, we came across the startling results of a recent survey. The researchers found that more than two-thirds of all workers in full-time jobs lack long-term disability insurance. One-third of all such employees simply don't have it available to them, while 38 percent have the option of employer-sponsored coverage but choose not to enroll. The lack of coverage poses an enormous risk, because medical problems, some of which involve disability and inability to work, are factors in approximately 50 percent of all home foreclosures and personal bankruptcies in the U.S.

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