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How to Document Restrictions for a Disability Claim

You’ve told your doctors you’re in pain. You’ve explained the fatigue is overwhelming. But when it comes to your disability claim, is that...

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How to Document Restrictions for a Disability Claim

You’ve told your doctors you’re in pain. You’ve explained the fatigue is overwhelming. But when it comes to your disability claim, is that...

What Is a Good Grant Rate for an Administrative Law Judge?

If you have a Social Security Disability hearing scheduled, your Administrative Law Judge’s (ALJ) grant rate is one of the most important numbers...

Why Waiver of Premium Claims Get Denied After LTD Denials

If your long-term disability (LTD) claim has been denied, you may be facing another problem you didn’t expect: your life insurance waiver of...

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How to Avoid Being Misclassified Under a Mental Health Limitation in Your LTD Claim

For many long-term disability (LTD) claimants, the struggle to keep working doesn’t stem from just one issue. It’s common to have both physical...

MetLife Long-Term Disability Buyouts

Your monthly disability check from MetLife provides a steady, reliable income. But what if the company offered you the next 10 or 20...

How to Keep a Symptom Journal

Trying to explain how a bad day really feels can be overwhelming, especially when the right words disappear at a doctor’s appointment. What...

What Happens to Your Employer-Sponsored Insurance When Your Employment Changes?

Employment changes can be a stressful time whether it’s your choice or due to termination. Either way, you’ll have to navigate changes in...

How to Approach Claims for Hidden Disabilities

Sufferers of hidden disabilities, or disabilities that are not immediately apparent, can face additional struggles in their insurance claims. An invisible disability like...

What to Do Before & After an IME Appointment

Independent medical examinations (IMEs) are often less “independent” than the term suggests. Disability insurers work closely with a network of doctors and medical providers whose...

Can I Get Short‑Term or Long‑Term Disability for Alcoholism or Substance Abuse?

Substance use affects every social, economic, and demographic group. According to the Substance Abuse and Mental Health Services Administration (SAMHSA), millions of people...

How Can I Get Short- or Long-Term Disability for Knee Pain?

Knee pain can impact every aspect of your life, from your mobility and independence to your ability to work and provide for your...

What Is a Bad Faith Insurance Claim?

When you buy an insurance policy—whether it’s health insurance, long‑term disability, or other coverage—you justifiably expect the insurer to treat you fairly. You...

Life Insurance vs. Accidental Death and Dismemberment: Do You Need Both?

If you have loved ones who depend on you for financial support, purchasing or enrolling in the right insurance coverage can provide crucial...

Disability Insurance for High Income Earners: Dealing With Unfair Claim Denials

According to the Centers for Disease Control, more than 1 out of every 4 American adults live with some form of functional disability....