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You’ve applied for a long-term disability (LTD) insurance policy at work, or you’ve contacted a broker and purchased one on your own, figuring it will provide protection against something you never expect will happen, such as a mental or physical condition that makes it impossible for you to carry out your duties at work. You […]
Suppose you’ve come down with a mental or physical condition that makes it impossible for you to continue in your job, so you turn to your long-term disability (LTD) to make a claim for benefits. The insurance company requires your doctor to complete an attending physician’s statement (APS) as part of the claims process, but […]
About 40 to 50 percent of employers in the United States offer long-term disability (LTD) insurance policies that promise to provide benefits should a physical or mental condition prevent you from performing the duties of your job. These policies are often underwritten by the nation’s largest insurance companies, such as Unum, MetLife, MassMutual, Northwestern Mutual, […]
Insurance companies are for-profit institutions. As such, they don’t always automatically accept a claim for disability payments. They can put up a variety of roadblocks, one of which is termed an Independent Medical Review (IMR) by a team of physicians on the insurer’s payroll who review the documentation you submit to support your long-term disability […]
Long-term disability (LTD) policies can contain a variety of definitions, clauses, exclusions, and other “fine print” that can come back to haunt the policyholder when a disability prevents them from working. Two very frequent definitions contained in an LTD policy are “own occupation” and “any occupation.” Some disability policies may only cover you if you […]
With the onset of the COVID-19 pandemic in 2020, the nation’s economy and its workers were thrust into strange new territories – businesses closing, layoffs carried out, work-at-home arrangements established, masks mandated, social distancing enforced, people ordered to stay at home, and of course, millions of citizens falling ill to the virus and hundreds of […]
MetLife is a venerable institution in the world of insurance. Founded in 1868 as the Metropolitan Life Insurance Company, MetLife now has 90 million customers in 60 countries and is traded on the New York Stock Exchange. When it comes to its long-term disability (LTD) policies, however, the company has a well-known track record of […]
One in every four Americans entering the workforce will face a disabling condition at least once before retirement, and the average time away from work to deal with the condition is almost three years, according to the Council for Disability Awareness (CDA). For this reason, many working adults buy long-term disability (LTD) policies, whether through […]
The Hartford is a $20 billion, Fortune 500 company that was originally founded in 1810 to offer fire insurance. Even legendary baseball star Babe Ruth once purchased a Hartford policy. Today, The Hartford has built up its own legend as a company that likes to deny claims under its long-term disability (LTD) policies. Hartford LTD […]
According to the Multiple Sclerosis Association of America (MSAA), roughly 3.5 in every 1,000 Americans develop Multiple Sclerosis, commonly referred to as MS. MS is neither contagious nor hereditary, according to the MSAA, but the risk of developing MS increases for first-degree relatives – children and siblings – of those already suffering from the disease. […]
