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When you apply for long-term disability benefits, your insurance company doesn’t just take your doctor’s word for it—they investigate you. Behind the scenes, insurers often launch detailed surveillance campaigns, tracking your movements, monitoring your social media posts, and digging for any hint that you might not be as limited as […]

Long COVID, also called post-viral syndrome, has disrupted the lives and careers of many Pennsylvanians. Fatigue, cognitive problems, and unpredictable symptoms can last months or even years. For workers who can no longer perform their jobs, long COVID LTD (long-term disability) benefits may be the only financial lifeline. Unfortunately, insurers […]

Fibromyalgia and chronic fatigue syndrome (CFS) can make full-time work feel impossible. Pain, exhaustion, and cognitive fog fluctuate daily, often with little warning. For individuals pursuing long-term disability (LTD) benefits under ERISA, these conditions present unique challenges. Insurers frequently dismiss fibromyalgia and CFS symptoms as “subjective” because they lack a […]

Long-term disability (LTD) benefits provide vital financial support when someone can no longer work because of serious health conditions. For many Philadelphia families, these benefits cover rent, groceries, and medical care during times of crisis. But for those living with mental health conditions, LTD policies often carry harsh restrictions that […]