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If Unum has denied your long-term disability claim in Pennsylvania, you generally have 180 days to file an administrative appeal, and what you submit during that window often decides the entire case. Most Unum group policies are governed by ERISA, the federal law that controls employer-sponsored benefits, which means the […]

To apply for short-term disability in Pennsylvania, you file a claim with the private insurer that issued your plan, because the state runs no public program. Most short-term disability coverage comes through an employer benefit or a policy you bought yourself, and each has its own forms, deadlines, and medical-proof […]

Pennsylvania does not have a state temporary disability insurance program. Unlike a handful of states that run public short-term benefit funds, the Commonwealth provides no government check for someone who cannot work for a few weeks or months because of a non-work injury or illness.  That single fact surprises many […]

Insurance companies frequently ask disability claimants to submit updated medical records more than once during a claim. This is a standard part of how insurers manage both Social Security disability claims and private or employer-sponsored long-term disability claims under ERISA. The requests are not necessarily a sign that a claim […]