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 [...]
Sometimes referred to as “invisible” medical conditions, cognitive disorders are illnesses or injuries that impair such intellectual or cognitive abilities as memory, concentration, planning and problem solving, reasoning, verbal and written communication, and other logical processes. Cognitive injuries or disorders can also impact emotional regulation and tolerance for stress. Many people suffer from neurocognitive disorders [...]
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 [...]
How to Win a Claim for Cigna Long-term Disability There is no guarantee that you will win any long-term disability claim. Up to 75% of long-term disability claims are denied. Do not let this keep you from applying though. With these tips, you will have a better chance at winning your Cigna long-term disability claim. [...]
Five Questions to Ask A Disability Lawyer Near You Not every type of Disability Law is the same. This simple fact confuses potential clients all the time. So, how can you both find the right type of disability law firm, and simultaneously find the best one for your case? Our suggestion, structure your exploration of [...]
Should You Write Your Own Long-term Disability Appeal Letter? You applied for disability and were denied! Should you write your own disability appeal letter or hire an attorney to help you? While it is possible for you to write your own disability appeal letter, most do not feel comfortable doing so. There is a lot that [...]
“How long does it take to get disability?" This is a hard question to answer because there is not the same answer for every person. Many different factors affect the amount of time it takes for you to receive long-term disability. Elimination Periods All long-term disability policies have some sort of elimination period. The [...]
Chances are, if you have a long-term disability plan through your employer, then your policy is subject to ERISA compliance. If you work for federal, state or local governments, Indian tribal entities, or churches, then you will not be subject to ERISA compliance. This is an important distinction that can be very confusing when trying [...]
