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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...

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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...

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How to Appeal a Guardian Long-Term Disability Denial

With more than $23 million in in-force premiums, Guardian Life Insurance Company (often through its subsidiary Berkshire Life Insurance Company) is one of...

Do You Need Specialty-Specific Disability Insurance?

If you’re a physician, lawyer, dentist, or other high-income professional working in a complex field, you shouldn’t go without robust long-term disability insurance...

What Financial Advisors Need to Know About Long-Term Disability Insurance

According to Northwestern Mutual’s 2023 Planning & Progress Study, an estimated 37% of American adults work with a financial advisor. The rates certainly...

How Long Can You Be on Long-Term Disability?

If an injury or illness leaves you unable to work for an extended period of time, your long-term disability insurance can provide a...

What To Do if Your Long-Term Disability Benefits Are Terminated

There’s a huge relief that comes when your initial claim for long-term disability insurance benefits is approved and consistent monthly checks start coming...

Do I Have to Pay Back Long-Term Disability?

You’re finally receiving the long-term disability (LTD) benefits you deserve. After months or even years of medical appointments, paperwork, and waiting, the insurance...

How to Choose Individual Disability Insurance: A Guide for High-Net-Worth Individuals

If you are a high earner and plan to continue working at least a few more years, what is your most valuable asset?...

How to Appeal a New York Life Long-Term Disability Denial

New York Life Insurance Company is one of the largest long-term disability insurance providers in the country, with roughly $1.5 billion in in-force...

Long-Term Disability Insurance and Pre-Existing Conditions: 6 Things You Need to Know

You’ve filed your application for long-term disability (LTD) benefits, carefully providing all the necessary information and submitting all your relevant medical records. When you...

How to Appeal a Prudential Long-Term Disability Denial

With nearly $1 billion in in-force premiums, Prudential Financial (via its subsidiary, Prudential Insurance Company of America) is one of the 10 largest...

How Much Is My Long-Term Disability Settlement Worth?

Long-term disability (LTD) benefits can be a lifesaver for people who are unable to earn an income due to sickness or injury. If...

How to Appeal a MetLife Long-Term Disability Denial

Metropolitan Life Insurance Company—more commonly known as MetLife—is one of the world’s largest financial services companies. While MetLife is typically associated with life...