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Long-term disability insurers often rely on vocational assumptions that do not match the real demands of a claimant’s work history, functional restrictions, or the modern labor market. Many denials hinge on generalized statements such as “the claimant can do sedentary work” or “the claimant has transferable skills.” These conclusions frequently […]

When you apply for disability benefits, your treating physician’s support can determine whether your claim succeeds or fails. Insurance companies rarely approve claims based only on your statements or subjective reports of pain. They rely instead on medical records, imaging, test results, and clear statements from your doctors that explain […]

For many employees, short-term disability (STD) and long-term disability (LTD) benefits provide vital protection when illness or injury prevents them from working. STD usually covers the initial phase of disability, while LTD provides income replacement for a longer period if recovery takes months or years. Yet the transition from STD […]

Winning Social Security Disability Insurance (SSDI) finally brings relief after months or even years of waiting. But if you also receive long-term disability (LTD) benefits through your employer or a private insurer, the financial picture can shift quickly. Most LTD policies include an offset clause. This clause allows the insurer […]