A decades-long debate in the medical community over whether myalgic encephalomyelitis (ME) and chronic fatigue syndrome (CFS) constitute a single disorder, or two separate but related disorders, or even if
Long-term disability insurance (LTD) is one of several tools individuals can use to protect themselves and their futures against the economic consequences of long-term disability. Because LTD is intended primarily
Long-term disability income insurance (LTD) replaces a percentage of an individual’s pre-disability income when he or she is forced to leave work before retirement due to a covered disability. Most
Long-term disability insurance (LTD) claims have a well-documented and widely decried tendency to become rife with documentation challenges. Overcoming LTD documentation hurdles is an essential part of the claim process
Individuals applying for long-term disability insurance (LTD) benefits are likely to encounter a number of obstacles in getting their claims approved. LTD rules for prior medical conditions can be among
Long-term disability income insurance (LTD) can significantly buffer the impact of income loss due to disability by providing benefit payments to replace a percentage of the policyholder’s pre-disability income. Unfortunately,
Long-term disability income insurance (LTD) can play an important role in providing financial stability for individuals who become disabled in the midst of their careers due to accident or disease.
Long-term disability insurance (LTD) policies are designed to replace a portion of the insured person’s income in the event that the individual has to leave work for an extended period
Individuals receiving long-term disability income insurance (LTD) benefits are often in a challenging position emotionally as well as financially. To some of these individuals, retiring after long-term disability can feel
Many individuals filing claims for long-term disability insurance (LTD) benefits receive a few rounds of claim denials, followed by the offer of a lump-sum settlement to resolve the case. Unsurprisingly,
