When it comes to safeguarding your financial future, having disability insurance is a crucial step. However, not all disability insurance policies are created equal. While many workers have retirement and health benefits through employment, few understand the type of...
If someone suffers a severe physical injury, they may understand very quickly that it could qualify as a disability. Perhaps they fall and suffer a spinal cord injury that leaves them paralyzed from the waist down, for example. Their mobility issues mean they can no...
Employers often provide their workers with a variety of different benefits. Long-term disability benefits are a popular inclusion in many benefits packages, even though few workers ever need to utilize them. Therefore, there is often quite a bit of confusion about...
When planning for your retirement, it is critically important that the investments you make are relatively stable. Of course, virtually all investments carry some element of risk. However, there is a marked difference between investing in an employer-sponsored...
Long-term disability (LTD) plans and Social Security Disability (SSDI) benefits are two important safety nets that are designed to help when someone suddenly becomes unable to work due to a disability. However, the intersection between LTD benefits and SSDI can get...
Many people who are receiving short-term disability (STD) or even long-term disability (LTD) insurance benefits aren’t bedridden. However, their injury or illness prevents them from being able to work. For example, a physical therapist who had to have surgery to...
If you have a disability insurance policy through your employer, chances are it is governed by a federal law called the Employee Retirement Income Security Act (ERISA). This law sets the rules and procedures for filing and appealing disability claims, your rights as a...
If you sustain an injury or an illness that leaves you with a disability, you may not be able to work and care for yourself and your loved ones. Subject to the nature of your disability, you may be eligible for financial restitution through your employer-funded...
Have you ever heard someone say that the treatment is worse than the condition? This usually isn’t true in a strict sense. But it does underscore just how detrimental certain types of treatment can be to your health. For instance, perhaps you’ve been diagnosed with...
If you become disabled, you may not be able to work and care for yourself like you used to. Consequently, you may be eligible for financial restitution under your employer-funded Employee Retirement Income Security Act (ERISA) plan. However, it is not uncommon for the...