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FAQ: My Long Term Disability carrier offered to hire a company to assist me in obtaining Social Security Disability Benefits . . . Should I accept?

This question comes up all the time, so we thought we’d discuss it.Although it is a relatively straightforward question, the answer is not so straightforward. In short, it depends.First, it is both to your benefit and to the benefit of the insurance company or employer paying your Long Term Disability (LTD ) claim that you […]

What Is Long Term Disability Insurance?

Long Term Disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.LTD can provide benefits for work-related accidents or injuries that are covered by Workers’ Compensation insurance, […]

What should you consider when an insurance company offers to buy out your long-term disability claim?

Suppose you are disabled and receiving disability benefits from a long-term disability (LTD) insurance policy. In that case, there is a chance your insurance company will offer you a buy-out. If your insurance company offers you a buy-out, you may have many questions, like: Why did this happen? What does this mean? Do I need […]

Three Things to Do That May Help When Appealing a Denial or Termination of Long-Term Disability Benefits

It is not uncommon that an initial claim for Long-Term Disability (“LTD”) is denied. This can be for a variety of reasons, most commonly including: lack of coverage, lack of medical evidence, lack of objective medical evidence, or a determination that, despite medical evidence of disability, the illness or injury is not significant enough to […]

Client Success Story: A Case for Long-Term Disability for a Multiple Sclerosis Sufferer.

Kantor and Kantor recently obtained long-term disability benefits for a client with multiple sclerosis. He worked with the disease as an executive for a number of years, but slowly his illness progressed, and he struggled to continue working.He developed cognitive issues which became progressively worse, causing him to have difficulty making decisions, trouble organizing and […]

May 12th is World ME/CFS Day

Myalgic encephalomyelitis (ME) – also called chronic fatigue syndrome (CFS) – is a serious and often permanent health condition characterized mostly by constant exhaustion and chronic pain. Although this condition is diagnosed hundreds of thousands of times per year in the United States, it is still not well understood. It is hardy even talked about […]

Courts Are Right To Reject Insurer ERISA Attorney Fee Awards

Courts Are Right To Reject Insurer ERISA Attorney Fee AwardsBy Elizabeth Hopkins, Partner at Kantor & Kantor, LLPExpert Analysis – OpinionAs the U.S. Supreme Court has often recognized, the Employee Retirement Income Security Act is remedial legislation that is primarily intended to protect plan participants and beneficiaries, promote their interests and ensure that they receive the benefits they […]

Social Security Benefits Increase 5.9% in 2022 & Other Important Changes

In 1972, Congress passed legislation to provide automatic increases linked to a rise in consumer prices. Recipients would no longer have to wait for Congress to take action to receive an increase. The first automatic increases to Social Security benefits took effect in 1975. After 1982, cost of living adjustments (“COLAs”) were effective for December […]