Author Archives: Jay Butchko
Mental Health Disorders and Your Rights To Disability Benefits
Despite the large number of people who struggle with mental health issues and efforts to raise public awareness, there is still a stigma involving these disorders that can make sufferers not want to disclose their situation or seek the care they need. Not talking about your condition or failing to get the medical care… Read More »
Dealing With Chronic Health Conditions? Questions To Ask About Employer-Provided Long Term Disability Benefits
Long-term disability insurance available through your employer protects you if health issues prevent you from working. Benefits you may be entitled to can help offset losses in wages, ensuring that you are able to continue to provide for yourself and your family. If you suffer from any type of chronic medical condition, it is… Read More »
Can I Get Long-Term Disability Benefits For Cancer?
Cancer is one of the most dreaded diagnoses you can receive from your doctor. While no longer the death sentence it once was, symptoms you suffer can interfere with your ability to work or engage in your usual activities while the side-effect of treatments can be devastating. In addition to protecting your health, one… Read More »
When Do I Qualify For Long-Term Disability (LTD) Benefits?
Benefits available through your employer can help protect you and your family in the event long-term disabilities prevent you from working. However, getting to the point that your disability benefits claim is approved and you begin receiving payments can be a long and frustrating process. The following details some of the qualifications you will… Read More »
American Heart Month: Risks Regarding Heart Disease and Your Rights To Long-Term Disability Benefits
Heart-shaped candies and novelty items spring up everywhere in stores over Valentine’s Day. Designed to convey our feelings for family and friends, they also call attention to a potentially life-threatening health issue. February is American Heart Month and raises awareness about heart disease. It is a common condition that could entitle you to long-term… Read More »
How Long Do Long-Term Disability (LTD) Benefits Last?
Long-term disability (LTD) insurance helps to supplement lost income in the event injuries or illnesses prevent you from working. Many people have LTD policies provided through their employers. You can also supplement this coverage by purchasing an additional policy through a private company. One of the most common questions we hear from clients concerns… Read More »
New Test Could Help People With Long-Term Disabilities Caused By Traumatic Brain Injuries (TBI)
Long-term disabilities often happen as a result of accidents. Traumatic brain injuries (TBI) are one of the most common causes. Even minor bumps, blows, or jolts to the head can cause serious impairments that prevent you from working or attending to daily tasks. Unfortunately, proving traumatic brain injuries in order to receive long-term disability… Read More »
Make Reviewing Long-Term Disability Coverage One of Your New Year’s Resolutions
A new year brings the opportunity for a fresh start for many people. It also is typically a time when we set new goals regarding our lifestyles, general health, and finances. New Year’s resolutions can help you avoid problems and sidestep potential challenges in the year ahead, but it is important to assess where… Read More »
Five Common Questions About Long-Term Disability Insurance
Long-term disabilities can happen to anyone and at any age. When you are unable to work as a result, long-term disability insurance can help ensure you continue to make ends meet. The following are five common questions about this type of coverage. What Is Long-Term Disability Insurance? Like any type of insurance, long-term disability… Read More »
Understanding The Elimination Period In Your Long-Term Disability Policy
When long-term disabilities happen, you count on benefits available through employer-provided policies to help you make ends meet. Unfortunately, not being clear on your terms of coverage can result in some unpleasant surprises. One of the most common concerns your LTD policy’s elimination period. This is a period of time in which you are… Read More »