When you sign up for short-term or long-term disability insurance through your employer, you’re taking an important step to protect yourself and your family’s financial well-being if you suffer an injury or illness that requires time away from work. Many people don’t...
Physical injuries are often accompanied by emotional injuries in the form of mental health issues. The reason for this is obvious -- the experience of becoming injured is often a traumatic event that could have been considered a near-death experience. In addition to...
Insurance companies lose money when policyholders file claims. The bigger the claim, the more incentive the company has to deny it. Bad faith insurance laws protect those who paid for coverage by giving them away to push back against an insurance company. If they deny...
Physical disabilities are often easier for an outsider to see and understand than mental or emotional disabilities. These “invisible” conditions are often hard to grasp for those who do not have the same experiences. Depression is a prime example. Clinical depression...
If you are dealing with a denied ERISA claim or need to make one, it’s a good idea to work with an Employee Retirement Income Security Act (ERISA) attorney. An attorney who specializes in working with ERISA claims will understand current laws and regulations that may...
Quite often, pain is an integral part of why any given medical condition can become disabling. But pain is subjective. Everybody experiences it differently. Worse, there’s no scientific way to test your pain, no scale on which it can be weighed -- and no way to...
If you receive Social Security Disability payments, you may wonder what happens to those benefits if you have to serve time in jail or prison. The main takeaway is that anyone serving over a month in a penal institution must forfeit their benefits during their...
Mental disorders can change your life forever, and they may not be tied to any specific event. Something like post-traumatic stress disorder (PTSD) may have a root cause, but something like schizophrenia or obsessive-compulsive disorder (OCD) may seem to manifest at...
When most people think about job-related disabilities, they think about things that produce physical abnormalities, such as amputations, or things like brain injuries. Many individuals won’t think about something like hearing loss. The loss of hearing is something...
It's smart to have an insurance policy that covers your income if you should suddenly become disabled. There are two primary types of disability insurance, known as short-term and long-term policies. While there are some similarities between the two, there are a few...