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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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Quick Guide to Disability Insurance For Dentists: Take a Proactive Approach

When was the last time you reviewed your long-term disability insurance coverage? If you’re like most dental professionals, it’s been a while—and there’s...

Is Crohn’s Disease a Disability?

Crohn’s disease and inflammatory bowel disease (IBD) are often considered “invisible disabilities,” but they can have profound effects on your life. It can...

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...