If you’re living with a disability, you may apply for the benefits that you believe are due because of your insurance coverage. After all, you may not be able to work. You could also be facing extensive medical bills as you get treatment. It’s important for you to...
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Disability Benefits
Differences between short-term and long-term disability insurance
In today’s fast-paced world, where uncertainties abound, protecting your financial well-being is crucial. One way to better ensure that your needs are met even if things go terribly wrong involves investing in disability insurance coverage. Disability benefits are a...
3 reasons your disability insurance claim might get denied
Individuals could face a disability at any time. In many cases, it prevents them from earning a living. Many have disability insurance policies to cover living expenses in the event that are out of work and cannot earn a paycheck. Unfortunately, some who make a claim...
Always check your policy provisions before filing a disability claim
Taking out an insurance policy with short-term disability benefits should provide you with financial help if you suffer an injury or illness that temporarily keeps you from working. Unfortunately, insurance companies are not always willing to approve claims or they...
Why do Social Security benefits stop?
When you experience a disability, Social Security benefits ensure you can cover essential living expenses when unable to work. However, the Social Security Administration (SSA) can decide to suspend benefits for a few reasons. Understanding the SSA's decision-making...
How important is the elimination period in a disability policy?
When individuals purchase a long-term disability insurance policy, there is typically a waiting period, also known as an elimination period. But what are elimination periods and why are they significant? A little background An elimination period is the time between...
Four issues to note about filing for long-term disability benefits
Most Florida residents know little about how long-term disability benefits work until they find themselves needing them. These benefits seek to replace a certain percentage of your income if you become unable to work due to illness or injury. Below are a four issues...
Understand long-term disability requirements to prevent denial
If you have long-term disability insurance, either through your employer or privately, you have some protection in the event an illness or injury occurs that prevents you from working for an extended period. This insurance benefit helps cover a percentage of your lost...
What is ERISA?
Long-term disability insurance is a tremendous asset for employees who suffer serious medical condition or injuries and can no longer work. The Employee Retirement Income Security Act, or ERISA, is the governing rule for long-term disability insurance. It sets the...
Dealing with a denied long-term disability insurance claim
Disability insurance helps to cover some of an employee's lost income when unable to work due to injury or illness. Some employers provide this benefit, while some employees purchase private coverage. Long-term disability is for an employee who is unable to work for...