In Arizona, having a pre-existing condition can significantly impact your long-term disability claim. A pre-existing condition is any health […]

Understanding the ins and outs of long-term disability can be so frustrating. The financial stress you may be under as

Long-term disability insurance can provide critical financial support should an injury or illnesses require you to miss work for an

Q: How has the pandemic impacted day programs for the disabled? For all the progress made on behalf of the

Replacement income from long-term disability insurance can provide tremendous relief in uncertain times. Long-term disability (LTD) insurance provides wage replacement

Is a ban on plastic straws unfair to the disabled? Anti-plastic legislation, including bans on single-use plastic bags typically used

Q: Should I file for SSDI if I have LTD benefits?

If you’re already receiving long-term disability (“LTD”) benefits, you may feel fortunate, but you may not be taking full advantage of your situation. And that can cost you. That’s why seeking advice from a skilled disability benefits attorney is wise as soon as you become disabled.

Most long-term disability insurance policies require claimants to file for Social Security disability benefits as well in order to collect under their LTD policy. But even if it isn’t required by your plan, there are several reasons why applying for Social Security disability benefits (“SSDI”) could be advantageous to those with LTD insurance benefits.

Social Security disability benefits are periodically adjusted based on inflation so SSDI recipients can expect to receive periodic cost-of-living adjustments in their benefits checks. But long-term disability benefits are generally not adjusted for inflation, so LTD recipients will receive the same monthly amount 10 years from now as they are receiving today—so it will not go as far in the future as it may today.

Can a disability attorney help me access LTD benefits?

If you’re fortunate enough to have long-term disability benefits (“LTD”), either through your employer or a private insurance policy, you might assume accessing those benefits in your time of need would be as simple is filing a few papers—sort of like a health insurance claim. Unfortunately, many people applying for LTD benefits submit incomplete applications, miss important deadlines, or fail to file specific requirements and find their claims denied.

Hiring a Long-term disability benefits attorney can make the difference between having an initial application approved or denied, or having success on appealing the denial of LTD benefits.

Q: Does every disabled person dream of escaping their disability?

As disability attorneys of Arizona, we fill our days helping the disabled obtain benefits. Sometimes people are born with disabilities and other times the onset of the disability happens gradually or suddenly at some point later in life.

Q: How can I prepare for a long-term disability?

There are few things more frustrating than applying for disability benefits on your own.

And with about 60% of first time applications for Social Security disability insurance being denied, necessitating a lengthy appeals process which can take months or even years, most people seek the help of a..