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The Employee Retirement Income Security Act of 1974 (ERISA) was a landmark piece of legislation that helped to establish financial protections for those in well-compensated positions. Employees ranging from executives to factory workers often have complex benefit...
When you received notice that you were being granted long-term disability (LTD) insurance coverage through your employer, you likely hoped you’d never need it. Now that you’re dealing with a serious illness or injury, you’re grateful for the opportunity that this...
If you file a claim for long-term disability (LTD) and it gets denied, you should at least know why. The decision-maker should provide you with a detailed explanation so that you understand exactly why your claim didn't work out as you hoped. You may disagree with...
Disability can occur due to various factors, ranging from genetic conditions to injuries and illnesses. Some disabilities impair major life functions but still allow individuals to keep working. Others don’t. Individuals who can’t support themselves may decide that...
Long-term disability benefits are a common inclusion in professional compensation packages. Employers offer staff members disability insurance in addition to health coverage and paid time off to supplement their base wages. There are also some adults who invest in...
You’ve applied for a long-term disability (LTD) insurance policy at work, or you’ve contacted a broker and purchased one on your own, figuring it will provide protection against something you never expect will happen, such as a mental or physical condition that makes it impossible for you to carry out your duties at work. You understand that should a disabling…
Suppose you’ve come down with a mental or physical condition that makes it impossible for you to continue in your job, so you turn to your long-term disability (LTD) to make a claim for benefits. The insurance company requires your doctor to complete an attending physician’s statement (APS) as part of the claims process, but your doctor is reluctant or…
About 40 to 50 percent of employers in the United States offer long-term disability (LTD) insurance policies that promise to provide benefits should a physical or mental condition prevent you from performing the duties of your job. These policies are often underwritten by the nation’s largest insurance companies, such as Unum, MetLife, MassMutual, Northwestern Mutual, Guardian Life, and more. The…
Insurance companies are for-profit institutions. As such, they don’t always automatically accept a claim for disability payments. They can put up a variety of roadblocks, one of which is termed an Independent Medical Review (IMR) by a team of physicians on the insurer’s payroll who review the documentation you submit to support your long-term disability claim. Being on the insurer’s…
Long-term disability (LTD) policies can contain a variety of definitions, clauses, exclusions, and other “fine print” that can come back to haunt the policyholder when a disability prevents them from working. Two very frequent definitions contained in an LTD policy are “own occupation” and “any occupation.” Some disability policies may only cover you if you are unable to work at…
