Employer Paid vs. Employee Paid Premiums for Denied Long-Term Disability Benefits

Long-term disability benefits provide financial support to individuals who can no longer earn income from their job, or any job, due to a medical disability. There are different types of long-term disability policies out there with different terms and arrangements. One of the main differences you see are personal long-term … Continue reading

Understanding Long-Term Disability Insurance Premium Waivers

What Is a Premium Waiver in Long-Term Disability Insurance?

Long-term disability insurance policies exist as a safety net for individuals if, through accident or illness, they become unable to perform their duties of employment. As with other types of insurance, in order to keep your policy in good standing premiums … Continue reading

Long-Term Disability & Return to Work Programs

As discussed many times in this blog, your relationship with your insurance company is one based on contract. Your insurance policy lays out the responsibilities and obligations of the insured and the insurer.  The basic provisions of all insurance policies are that you pay insurance premiums to your insurance company, … Continue reading

Is Your Long-Term Disability Provider Watching You?

While this usually comes to the surprise of most people who are currently receiving long-term disability benefits, your insurance company is not your friend. They are providing you with long-term disability benefits because they are contractually obliged to, not out of some sense of altruism.

Not only are they only Continue reading