Disability Insurance

HomeDisability Insurance

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...

More updates

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...

Explore more

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?...

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...