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Person wrapping gauze around another person's hand

One in every four Americans entering the workforce will face a disabling condition at least once before retirement, and the average time away from work to deal with the condition is almost three years, according to the Council for Disability Awareness (CDA).

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Adult and child hands holding orange ribbon

According to the Multiple Sclerosis Association of America (MSAA), roughly 3.5 in every 1,000 Americans develop Multiple Sclerosis, commonly referred to as MS. MS is neither contagious nor hereditary, according to the MSAA, but the risk of developing MS increases for first-degree relatives – children and siblings – of those already suffering from the disease.

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Physiotherapist Helping Handicapped Man During Recovery

Employees may receive a letter denying benefits for several reasons, usually based on what the insurers call “lack of sufficient medical evidence.” Now what? What can be done when an employee faces a total loss of income while trying to recover from your disability?

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A person with a clipboard points at a damaged car

Disability insurance policies are designed to provide income to policyholders (employees) who are unable to work due to a disability, injury, or illness. Unfortunately, dealing with disability insurance providers and claims administrators can involve many complexities. Even a well-supported disability claim can be denied by the LTD insurer by claiming incomplete medical evidence or biased medical reports.

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Serious patient sitting on wheelchair in hospital ward.

According to a survey conducted by the Centers for Disease Control and Prevention (CDC) in 2019, 20.4 percent of adults in the U.S. feel they suffer from chronic pain, and 7. 4 percent of adults report suffering from what the CDC calls high-impact chronic pain. Those with high-impact chronic pain say they felt pain “most days” or “every day.”

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Man passing a clipboard to a women

Long-term disability insurance plans are available either individually, through contacting an insurance broker, or often through your employer. When an accident or illness strikes and results in disability, the policyholder expects payment for their inability to work. Filing a claim, however, can often result in delays and denials of benefits, leaving the policyholder confused and out on the proverbial financial ...

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A man comforts and older man in a wheelchair

You signed up for long-term disability (LTD) insurance at your place of employment, never expecting you’d need to rely on it. Then suddenly, something happens and you’re home disabled and in no condition to work. You apply to your LTD insurer and they deny your claim. What went wrong?

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A man in a wheelchair uses his cell phone

Imagine this scenario: you’ve been on long-term disability for several months due to a back injury, and suddenly you receive notice that your benefits are being terminated. Your insurance company says that they have evidence that you’re not as limited or disabled as you claim.

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