Most employee group long-term disability insurance plans are governed under the Employee Retirement Income Security Act of 1974, or ERISA, a set of federal laws that protect the rights of policyholders. Among other things, ERISA gives policyholders the right to appeal an insurance company’s decision to deny a claim for LTD benefits. The law offices […]
Parkinson’s Awareness Month – What are the Disability Benefits Available If You Have Parkinson’s Disease?
April is Parkinson’s Awareness Month, so let’s take some time to discuss Parkinson’s disease (PD). With over 200,000 new cases diagnosed each year, it’s important to know what Parkinson’s disease is, how it can be treated, and the disability benefits available to those who are unable to work due to the symptoms of their PD. […]
SSDI Benefits and Traumatic Brain Injuries after an Accident
Brain injuries are some of the most devastating injuries after an accident. They have long term consequences that can severely impair a person’s mental and cognitive abilities, ultimately affecting his ability to work and earn a living. These disabilities can leave a person unable to function at the very worst and unable to perform many […]
What Is a Date Last Insured (DLI)? And How Does It Impact Your SSDI Claim?
Social Security Disability Insurance (SSDI) benefits aren’t permanent. In most cases, you only have five years from the date you last paid into Social Security before your SSDI benefits expire. If you are applying for Social Security Disability Insurance benefits, your “date Last Insured” (DLI) will have a big impact on your claim. To better […]
The Impact of Obesity on a Social Security Disability Claim
If your obesity prevents you from working or has resulted in associated medical conditions such as diabetes, you may qualify for disability benefits through the Social Security Administration. While obesity no longer has a listing in the Social Security Administration’s Blue Book Listing of Impairments, it can still have a big impact on your claim […]
Cervical Cancer & Social Security Disability Benefits
The United States Congress has designated January 2021 as Cervical Health Awareness Month, part of an effort to educate Americans — especially women — about the risks of cervical cancer and the importance of early screening and treatment. We’d like to take this time to discuss the Social Security disability benefits available to women who […]
A Look Ahead at Changes in Social Security Benefits for 2021
Each year the Social Security Administration makes adjustments to how they calculate benefits based on several factors, including changes in the cost of living. These changes have a significant effect on how much money a recipient can collect in benefits. 2021 is no different; here are a few of the changes in Social Security benefits […]
Why Connecting Multiple Impairments is Important in an LTD Disability Benefits Claim
Many individuals who apply for Long Term Disability (LTD) benefits are unable to work due to multiple impairments. While a single impairment may not make a person disabled enough to qualify for benefits, the combined effect of connecting multiple impairments can. Individuals who file claims for multiple impairments must be able to demonstrate how each […]
October Is National Disability Employment Awareness Month
Every October is National Disability Employment Awareness Month (NDEAM). Led by the U.S. Department of Labor’s Office of Disability Employment Policy (ODEP), NDEAM aims to raise awareness about disability employment issues while spotlighting the accomplishments of the many men and women with disabilities whose work helps keep the nation’s economy strong. This Year Marks the […]
How Will a Pre-Existing Condition Exclusion Impact Your LTD Insurance Claim?
Having a pre-existing medical condition could make it harder for you to get long term disability (LTD) benefits from your insurance company. There are limits to what an LTD benefits insurance plan will cover. They’re described in your insurance policy as “exclusions.” Exclusions are written into every LTD insurance policy. The purpose of these exclusions […]
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