Long Term Disability

Filing a Long-Term Disability Claim

When a person is injured in a car crash or other type of accident, he or she may find it difficult, if not impossible, to hold down a job. This in turn, can make it challenging to stay on top of medical bills, pay household expenses, and support a family. In an effort to avoid […] Read More

The Department of Labor Issues New Rules for Long-Term Disability Insurance Providers

Recently, the Employee Benefits Security Administration (EBSA), which is regulated by the Department of Labor published a series of final regulations regarding how long-term disability claims must be filed in order to comply with the Employee Retirement Income Security Act (ERISA). The new rules could have a significant impact on the claims and appeals filing […] Read More

Long-Term Disability Insurance

A person never knows when he or she may be injured in a car crash or come down with a serious and debilitating illness. For this reason, many Ohio residents choose to purchase long-term disability insurance policies that will protect them in the event that a disability renders them unable to work. Unfortunately, insurers are […] Read More

Understanding “Own Occupation” In Long-Term Disability Policy

In every long-term disability insurance policy, there is a clause that specifically defines what a disability is according to each individual provider. For some providers, a long-term disability is defined as a disability that hinders a person’s ability to perform any occupation, which means that an individual will only receive long-term disability benefits if they […] Read More

Three Ways You Can Mess Up Your Long-Term Disability Claim Appeal

We often tell people that if they are denied their long-term disability claim to appeal the decision. Denial of an initial claim is not all that uncommon—in fact, most claims are denied upon the initial application. However, being denied once is normal; being denied twice can mean the death of your case entirely. Because of […] Read More