If you've become unable to work because of a medical condition, you may qualify for long-term disability benefits if you have long-term disability insurance, either as an individual or through your employer. But it's not always easy to get approved for benefits; many insurance companies are practiced in ways they can legally deny you benefits. Learning about your LTD policy and common mistakes can help you get approved for benefits. But if your claim gets denied like so many others, don't let it go --appeal the denial on time and keep fighting for your benefits.
ERISA Disability Benefits Applications: 6 Common Mistakes
Increase your chance of getting ERISA group disability benefits by avoiding these common mistakes.
Dealing With a Long-Term Disability Company
Taking these precautions when you're dealing with your long-term disability company can help you win your disability claim.
Getting Long-Term Disability (LTD) Benefits for Back Problems
Some of the most common long-term disability (LTD) claims are those based on back pain.
Getting Long-Term Disability Benefits for Cancer
Cancers in early stages aren't likely to qualify for long-term disability insurance benefits.
Long-Term Disability Benefits for Fibromyalgia
Long-term disability (LTD) insurance companies routinely deny or limit claims for long-term disability benefits based on fibromyalgia, a complex illness marked by chronic muscle and joint pain.
Getting Long-Term Disability Benefits for Depression or Bipolar Disorder
Long-term disability (LTD) insurers are generally reluctant to approve claims for benefits based on mental illnesses such as depression or bipolar disorder.
Why Long-Term Disability (LTD) Applications Get Denied
Employer-provided long-term disability (LTD) policies are governed by a federal law known as ERISA, the Employee Retirement Income Security Act.
Appealing a Denial of Long-Term Disability Insurance
If your claim for long-term disability (LTD) insurance benefits has been denied, you shouldn't give up hope.
Do I Need to Hire a Long-Term Disability Lawyer?
If you have long-term disability (LTD) insurance and become unable to work, you should hire an experienced LTD attorney as soon as possible to maximize your chances of success.