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Long-Term Disability Insurance

Friday, November 9, 2018

LTD Recipients May Be Shortchanging Themselves

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.


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Tuesday, October 16, 2018

Pitfalls of Accessing Long Term Disability Insurance


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.
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Thursday, August 9, 2018

Good News for the Social Security Disability Benefits Program

Q: What positive changes are impacting the SSDI program?

No one knows when a disability that will impact your ability to work may strike and for the majority of Americans who don't likely have long-term disability insurance benefits, the fear of being disabled and financially-vulnerable is real.


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Monday, May 28, 2018

Lessons About Disability from A Prominent Physicists Death

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.


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Saturday, November 11, 2017

Preparing for a Long-Term Disability

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..


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Wednesday, October 4, 2017

The Consequences of a “Bad Faith” Disability Insurance Claim Denial


Q: What happens if a disability insurance claim is denied in “bad faith”?

Sometimes, karma happens.

In a perfect world, a person with long term disability insurance (“LTD”) would submit a valid claim with sufficient medical documentation in support and it would be approved. The financially-vulnerable (and now-disabled) insured would benefit from having had the good fortune and/or foresight of obtaining LTD insurance in healthier days either through an employer plan or a private policy.
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Friday, September 29, 2017

Beware of Limitations of LTD Policies


Q: Can Social Security disability insurance payments offset long-term disability benefits?

Seeing an Arizona long term disability insurance attorney as soon as possible after becoming disabled can help expedite financial relief. If you have long-term disability insurance (“LTD”) through your employer, or are considering buying a private policy, the language of the policy and any riders to it is particularly important… and potentially disastrous. An attorney can help you understand what you can expect from a policy.
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