Disability Benefits

Can I Get Long-Term Disability for a Mental Health Condition?

Perhaps. The thing to remember about long-term disability (LTD) plans is that they are designed to pay a portion of your income if you are injured or suffering from a chronic or acute medical ailment that is anticipated to last a long time – usually 12 months or longer. These plans often have limitations that…

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LTD Benefits and Personal Injury Set-Offs

When people are hurt due to medical malpractice, car accidents, slip and fall injuries, or any other form of accident or injury, there are a lot of sweeping concerns about how money will be recovered to take care of essential needs. Whether it is a fear of being stuck with medical bills, getting reimbursed for…

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Seven Frequently Asked Questions About LTD Benefits

For a family that is struggling to pay the bills after an injury or serious medical condition, long-term disability benefits (LTD) can be the lifeline that is needed to weather the storm. LTD benefits can help to pay rent or mortgage payments, groceries, and other essentials. So, when an insurance company refuses to pay LTD…

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New Research Offers Potential Hope for Lupus Sufferers

For patients who suffer from lupus, their immune cells attack the body’s own tissue and organs as if they are enemy invaders. There are many kinds of lupus, but the most common and severe kind is systemic lupus erythematosus (SLE). SLE most often harms the heart, joints, skin, lungs, blood vessels, liver, kidneys and nervous…

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When It’s More Than A Concussion

A traumatic brain injury, or TBI, occurs when an external force injures the brain. Causes include slips/trips/falls, vehicle collisions, military incidents, construction incidents, sports and violence. Brain trauma occurs as a consequence of a sudden acceleration or deceleration within the cranium or by a complex combination of both movement and sudden impact. The general term…

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Lyme Disease Can Lead to Long-term Disability

You have a great time hiking in the woods or even working in your own backyard, but it isn’t until later that you realize you have a tick on you. You pluck the tick off and go about your business, not realizing that what has been left behind could make you very sick. Lyme disease…

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The Standard Reversed for Ignoring Medical Evidence and Improper Denial

Marcin v. Reliance Standard Life Ins. Co., No. 16-7125, 2017 WL 2818648 (June 30, 2017). Affirming the judgement of the district court, the United States Court of Appeals for the District of Columbia held that Reliance Standard Life Insurance Company acted unreasonably when it failed to properly consider the downward progression of one of its…

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Sixth Circuit Allows Lawsuit to Continue Despite ERISA Requirment

On October 2, 2015, in Waskiewicz v. UniCare Life & Health Ins. Co., the Sixth Circuit reversed a district court’s granting of summary judgment in favor of Ford’s ERISA Plan because the insured, who suffered from major depression and gender identity disorder, failed to provide notice of her disability to the Plan after she suffered…

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