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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, […]

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 […]