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If you’re pursuing long-term disability (LTD) benefits in Pennsylvania, you may eventually receive a notice to attend an Independent Medical Exam (IME). Despite its name, this exam is rarely as neutral as it sounds. Insurance companies often order IMEs to “verify” your condition, but in practice, they’re used to find […]

When you’re living with a serious medical condition, every day can feel like a balancing act, trying to manage pain, fatigue, and uncertainty while fighting to keep your financial stability. For those seeking long-term disability benefits, that balance often depends on how insurers interpret one critical test: the Functional Capacity […]

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 […]