If you’re using your short-term disability (STD) or long-term disability (LTD) benefits to take time off work to recover from an injury or surgery, you may assume that you will need to cancel any planned vacation and certainly not make any new plans while you’re...
Most people expect to work consistently throughout their adult lives until they reach retirement age. People count on having good health throughout their working years so that they can support themselves and their families. They may have very little in savings, other...
Migraines are more than just “bad headaches.” They are a complex and debilitating neurological condition that affects millions of people worldwide. While there are numerous migraine subtypes, chronic migraines go well beyond an occasional inconvenience. In fact, they...
Certain worker benefits provided by employers are subject to federal regulation. For example, those who have short-term or long-term disability insurance coverage provided by their employers typically have certain protections thanks to the Employee Retirement Income...
When you bought your long-term disability (LTD) policy, you saw it as an investment for the future. After all, you have a one-in-four statistical possibility of becoming disabled before you retire. Unfortunately, long-term disability insurers don’t always live up to...
As you may know by now, getting the disability benefits you deserve under an employer-sponsored disability plan governed by the Employee Retirement Income Security Act (ERISA) is no easy task. It is common for many Colorado claims to result in denial. Of course, you...
When you apply for long-term disability (LTD) benefits, the benefits don’t start immediately. Even assuming you meet all the qualifications for disability under your policy’s rules, you still have to get through the waiting (or “elimination”) period, during which...
Car accidents happen every day. It’s estimated that nearly 15 million accidents happen a year, which amounts to over 30 thousand accidents a day. Of those 15 million auto accidents, almost 50 thousand of them are fatal. A single driver may only see a handful of car...
Pregnancy can be pretty rough on the human body, but is it necessarily disabling? It may be. While every short-term disability policy has its own terms, pregnancy complications often qualify for benefits. After all, pregnancy is a medical condition, and short-term...
Life insurance is an essential financial resource that can provide peace of mind and financial security to your loved ones in the event of your passing. This contract between the policyholder and the insurance company allows the policyholder to pay regular premiums....
