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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...

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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...

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Do Doctors Need Disability Insurance?

A doctor’s daily responsibilities are physically, mentally, and cognitively demanding. The nature of their work involves being on their feet most of the...

Can You Get Disability for Obstructive Sleep Apnea?

Obstructive sleep apnea (OSA) is more than just snoring or restless nights. This sleep disorder affects millions of Americans and causes potentially severe...

Can Short-Term Disability Be Denied for Mental Health?

In our fast-paced world, the pursuit of success can come at a cost—the silent struggles of mental health. For countless professionals, the demands...

How to Talk to Insurance Claims Adjusters About Your Long-Term Disability Case

Whether you’ve just filed a long-term disability claim, or you’ve been on claim for years, chances are sooner or later you’re going to...

What Does Long-Term Care Insurance Cover?

Over the past several decades, advances in health care, hygiene, nutrition, and other factors have helped increase life expectancy. But with longer lifespans...

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?...