Long-Term Disability Insurance Process

Long-term disability (LTD) insurance can provide a portion of lost income in the unfortunate event you become disabled and unable to work.  Most people obtain LTD insurance as an employee benefit through their employment along with other employee benefits like health insurance, dental, vision, and other benefits.  These cases are usually governed by a federal statute called the Employee Retirement Income Security Act of 1974, the federal ERISA statute, which governs employee benefit plans, except for people who work for government and church employers, which are exempt from the ERISA statute.  Some employers pay the premiums for their employees’ LTD insurance, some require
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Long-Term Disability Insurance Benefits May Be Offset By Social Security Disability (SSD) Benefits

If you become disabled and go out of work, you may have a disability insurance policy from which you expect to collect benefits. Many people in this position discover the disability insurance policy does not pay exactly the way they expected.   Instead of simply calculating their benefits as the percentage of what they used to make that their policy states it will pay, the long-term disability insurance policy contains a clause that lists other forms of income that will be deducted from this amount that many policies refer to as “other income offsets.”  The most common other income offset by light years
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Doctor Visits and Disability Benefits

How do your doctor visits and long-term disability go together? Discussions with your doctor often include the reason for your visit, how you’re doing overall, and treatment plans.  The more issues or ailments you suffer from, the more in-depth these conversations tend to be.  It’s surprising then, how often we learn that clients have never discussed their disability or disability insurance with their doctors. Talk to your doctors about your disability insurance You should let your doctors know what you’re going through with the disability insurance company.  Aside from the obvious importance of making sure your doctors and medical records
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