When people think of disability insurance, they often think of accidents. In truth, illness and ailments are the leading causes of short and long-term disability claims. Fewer than 10 percent of disability cases are the result of an accident. Diseases, especially...
Disability
Fighting accidental death and dismemberment claim denials
A common employer-provided benefit is accidental death and dismemberment (AD&D) insurance. This is similar to life insurance in that the policy will pay out a sum of benefits in the event of an accidental death or an accident that costs someone their sight,...
Navigating through short-term and long-term disability claims
Many individuals with employer-sponsored ERISA plans have questions when facing the possibility of filing a disability claim. What is the difference between short-term disability and long-term disability insurance? How long do benefits last for? And, most importantly,...
Unable to work: The painful reality for some living with IBS
There is having an upset stomach -- occasionally -- and living with ongoing stomach and digestive issues that seem to just not want to quit. The two are quite different. While it is normal for a person to experience gastrointestinal discomfort from time to time, it is...
Appealing denied disability benefits for oil field workers
While all workers throughout Louisiana can be hurt on the job, given the very nature of the work, those in the oil and gas field industry are in a unique spot when it comes to job risks. It's important for workers to not only understand these risks, but to also know...
Chronic fatigue syndrome: A debilitating condition
Picture being able to go about your life -- full of zest and energy -- only to later become so fatigued that the simple act of getting out of bed can seem impossible. Now, just picture if this continued. Day after day, continuing to live with extreme fatigue,...
Do back injuries qualify for short and long-term disability?
No one wants to live with debilitating back pain. Whether the pain is due to repeated heavy lifting, some type of accident -- or the cause is still unknown -- for those living with back pain, it can seem unbearable at times. Doing every day activities may be downright...
5 things to know about denied disability benefits
One of the benefits to employment is not only compensation, but for many, it's also being offered insurance. The idea of having insurance tends to give people a sense of ease. Sadly, though, just because someone has insurance, it does not mean all claims are going to...