Category Archives: Disability
Are chronic migraines a disability?
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 can be profoundly disabling. What are chronic…
Proving continuous disability during an LTD waiting period
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 benefits are not paid. The longer…
2 examples of disability claim bad faith insurance practices
Insurance companies collect premiums without any guarantee of ever providing direct support for policyholders. Still, most people view an investment in disability insurance as worthwhile, especially if they are the primary wage earner for their household because it will provide a higher standard of living…
5 common types of disabilities
Disabilities come in many different forms. People often think of the same clichés, such as a person who is disabled and has to use a wheelchair. But it’s very important to understand that disabilities do not always neatly fit into any boxes and may impact…
Filing a disability claim: The dos and don’ts
When you file a disability claim with your insurer, you expect to start receiving benefits as soon as possible. However, it is not an automatic process. Mistakes with your claim can lead to delays or even a denied claim, which is why it is essential…
How a medical evaluation can help during a disability appeal
Someone in need of disability benefits will submit an application to the insurance company, an action which hopefully results in weekly benefits. Some people have benefits provided by their employers, while other people have disability policies that they purchase on their own to protect themselves…
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