Whether you’re a doctor, an accountant, an attorney, a company’s chief executive officer, a business owner or any other kind of highly-placed professional, long-term disability insurance is an essential protection that you need. In the words of one expert, long-term...
Defending And Empowering The Disabled Since 1993
Long-Term Disability
High-earning professionals face challenges with disability claims
Many companies that employ skilled and educated professionals like physicians and accountants offer supplementary insurance as an employment benefit. Some employers offer comprehensive health insurance coverage, while others provide long-term disability benefits. Such...
Long-term disability insurance benefits: Things you need to know
There’s a good chance that your employer provides you with long-term disability insurance. Sometimes they pay for it entirely. Other times you have to pay a small premium every month. Either way, it’s a nice benefit to have, as it can come in handy should you become...
Long-term disability denied? You have a right to appeal
When you suffer a sudden disability, it can be hard to know what to expect. You need to support yourself and want to make sure that you can do so, but without knowing much about Social Security Disability, you may not know what you need to do to obtain the benefits...
Long-term disability insurance benefits: Don’t let a denial get in your way
Even if you’re fortunate enough to have long-term disability insurance, you never want to use it. Instead, you hope that it’s there for nothing more than peace of mind. However, if an injury or illness prevents you from working for an extended period of time, this...
How does ERISA protect your long-term disability benefits?
Most workers already understand that if they get hurt on the job, they can likely apply for workers' compensation insurance benefits. Workers' compensation provides both short-term and long-term disability benefits that injured workers can access depending on certain...
You could face a medical exam as part of a disability claim
When you file a claim for long-term disability insurance benefits from a private insurance carrier or through workers' compensation, the insurance provider may require you to undergo a disability examination. This will not be a written test but rather a medical exam...
What happens if insurance denies your long-term disability claim?
Long-term disability insurance can provide you financial support when an illness or injury prevents you from working. The insurance company can cover a part of your lost wages so you can pay your bills. But what happens when the insurance company denies your long-term...
Research finds link between obesity and cancer risk
Many people in Fayetteville understand that obesity is not good for your health, but they may not realize that the health problems associated with obesity go beyond heart disease and diabetes. Recent research has shown that obesity can be linked to an increased chance...
Confronting obesity after a major disability
For many people living with a disability, their condition causes profound effects on the rest of their body over time. For example, if you hurt your right knee, you will likely put more pressure on your left knee when you walk. Eventually, your “good” knee could...