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December 21, 2017

Applying for SSDI Benefits

Coping with disabilities presents many challenges.  If you have been disabled to the point of not being able to work or function on a daily basis, then of course you must find a way to get by.  The Social Security Administration (SSA) allows those who have been disabled to seek benefits through the Social Security Disability (SSD) benefits system. The most common type of benefits awarded by the SSA is Social Security Disability Insurance (SSDI) benefits.  Such benefits disburse a pre-determined amount to qualified claimants on a monthly basis.  Unfortunately, even those who are qualified can have their applications rejected […]
September 18, 2016

Reasons Your LTD Benefits Can Be Terminated After 2 Years

Even though your long-term disability claim has been approved, your benefits can be terminated by the insurer for a wide variety of reasons. It’s important to understand the conditions under which your monthly benefits can be terminated so you can protect your right to your benefits for as long as you are disabled. Disability Definition Transitions from “Own Occupation” to “Any Occupation” There is a common clause in group LTD policies that changes the definition of disability from “own occupation” — or an inability to perform the duties of your regular occupation — to “any occupation,” which means an inability […]