Long-term disability income insurance (LTD) is not usually subject to the continuation of coverage mandates established for employer-sponsored health insurance plans, or to the federal rules that apply to some
Most long-term disability insurance (LTD) policies are employer-sponsored group plans. However, self-employed individuals and those working for employers who do not offer LTD can choose to purchase individual long-term disability
Filing a long-term disability insurance (LTD) claim can be a complicated undertaking, involving hours of medical appointments and often substantial fees for copies of medical records. When the review process
The approval process for long-term disability insurance (LTD) benefits can be both time-consuming and stressful. As a result, individuals who have received their approval are understandably reluctant to do anything
Long-term disability insurance (LTD) provides benefits to replace a percentage of a policyholder’s lost income if he or she becomes unable to work due to illness or injury. Conditions that
If your employer doesn’t offer long-term disability insurance (LTD), you find yourself in a situation shared by millions of American workers. Getting individual long-term disability insurance is one of the
The procedures required for renewing long-term disability coverage, or LTD, can often be complex. In many cases, individuals may struggle even determining what kinds of evidence they may need in
Many long-term disability insurance (LTD) plans are offered through employers, as part of the benefits package they offer to employees. Just like many people have health insurance through their jobs,
Individuals who find themselves having to leave the workforce for an extended period, perhaps permanently, due to a disability have relatively limited options for making up the loss of their
Long-term disability insurance helps to provide the policy holder with financial stability in the event that a serious injury, a severe illness, or disability prevents them from working for an
