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In a recent article, Long Term Disability Claims for Cognitive Disorders, we discussed the challenges presented with disability claims based on cognitive disorders. These are medical conditions that interfere with intellectual or cognitive abilities, such as memory, concentration, planning, problem-solving, reasoning, verbal and written communication, and other logical processes. They are oftentimes “invisible” medical conditions, [...]

Six-and-a-half million Americans are actively suffering from Alzheimer's disease in 2021. By 2050, it's estimated that this number will reach 12.7 million. Long-term care insurance is necessary when it comes to providing Alzheimer's patients with the resources that they need during this confusing time in their lives. If you have long-term disability insurance and your [...]

When you find yourself unable to perform your job duties, it can be a terrifying situation. You may be struggling with medical conditions and an increased need for time off. You may be worried about losing your job. However, most private employers must provide you with time off if you are suffering from a medical [...]

The global pandemic has created a new opportunity for insurance companies to deny people long-term disability benefits, putting patients in the difficult position of deciding whether to risk losing their benefits or chance catching a life-threatening disease. Benefits attorneys say they’re seeing more requests from insurers for in-person medical exams and evaluations during a public [...]

If you are  unable to work, you may qualify for long-term disability (LTD) benefits under your employer’s Employment Retirement Income Security Act (ERISA) plan. An ERISA LTD plan can provide you with financial security while you are unable to work due to a serious medical condition. Your employer and/or insurance company should provide you with [...]