The importance of good mental health has become a hot topic in recent years. Many employers and schools are now approaching mental health in the same way they do physical health. But are insurance companies doing the same, especially when it comes to claiming...
LTD insurance: Own occupation versus any occupation claims
Long-term disability claims in Colorado can be challenging. Maneuvering the disability claims process requires an essential understanding of a number of factors. One important issue is knowing the distinction between own occupation disability insurance versus any...
Is long-term disability insurance right for you?
Colorado offers residents short-term disability benefits at no cost. Those who find themselves disabled may be able to receive benefits for up to 180 days. However, the state doesn't offer cost-free long-term disability insurance. You'll need to buy it For those who...
How do permanent injuries affect a lawsuit?
Most successful personal injury claims in Colorado cover costs that pay for your medical care and lost wages until you're ready to go back to work. However, a permanent injury can't be covered with a set of limited costs. You'll require medical care for the rest of...
Documenting symptoms is crucial to a long-term disability claim
In a perfect world, you could simply fill out your application for long-term disability benefits and quickly receive the assistance you need. The reality is the application process can be long and complicated, especially if you have a condition that is likely to...
Considerations before filing an LTD appeal
A disability can be an enormous detriment to the well-being of a Colorado resident. When a disability prevents a person from holding down a job and earning an income on which to live, the individual can find themselves falling behind on bills, unable to support their...
When cognitive impairment prevents you from working
People who suffer from cognitive impairment often live in a world of uncertainty. They have difficulty thinking, understanding, learning, making decisions and remembering. Cognitive disabilities can be caused by a number of things, including traumatic brain injury,...
Some risks can lead to denied disability insurance applications
Many professionals purchase individual disability insurance (IDI) to supplement employer-provided disability insurance or because an employer does not provide short-term or long-term disability coverage. Insurance companies that offer IDI rely on extensive screening...
Why do I need get long-term disability coverage?
Long-term disability insurance is one of the benefits your employer may offer. While many employers will pay a portion of the costs for you, you may have to cover the full expense. This may have you wondering if it is worth it to get this insurance. NPR explains that...
What to know about long term disability insurance
We rely on insurance companies to be there for us when an event or condition prevents us from making financial ends meet. Long term disability (LTD) insurance policies are meant to provide monthly payments in case of a disability that lasts six or more months. Whether...