Every year, about 5% of American workers face a temporary disability of six months or less. Their reasons can include pregnancy, injury, physical illness or mental illness, but the common factor is that their condition makes it impossible for them to earn a living the...
Long-term disability benefits usually start after a waiting period of several months and can last for years, depending on the policy and the condition of the claimant. However, not all long-term disability claims are approved by the insurance company. Sometimes, a...
One in four workers will suffer a disability while they are still employed. Accordingly, long-term disability insurance claims are important because this insurance pay a portion of income for workers who are unable to work because of injury or illness. Unlike...
Texas residents who suffer from depression know that it is more than just a bad mood. Depression is a major medical condition that severely disrupts your daily life. You are likely familiar with some of the most common symptoms of clinical depression, which is caused...
The Employee Retirement Income Security Act (“ERISA”) allows Texas workers to receive long-term disability benefits. After you file your ERISA claim for your disability benefits, you are likely to wonder just how long you will have to wait for a decision. The law...
Long-term disability insurance is a valuable benefit that provides crucial financial support to those unable to work for long periods of time. While the specifics of each plan vary, most plans pay 50 to 60% of your salary if you become disabled for longer than 90 to...
The Social Security Administration (SSA) readily admits that most first-time applications for Social Security Disability Insurance benefits (SSDI) are denied. However, the regulations promulgated by the SSA specify several different levels of appeals that are...
Many residents of Austin are eligible to receive long-term insurance benefits under the Texas Income Protection Plan (TIPP). Generally, these benefits will cover up to 60% of a person’s salary or wages. Many people who receive long term TIPP benefits are also eligible...
As a blog, we normally focus on private long-term disability insurance. However, one form of long-term disability insurance is also federal Social Security Disability Insurance, which we have discussed in a prior post, where we focused on the injuries that qualify for...
Texans depend on insurance policies to help them out should they be faced with certain terrible situations. One of these types of policies is disability insurance. There are two types of disability insurance policies. One is short-term disability insurance and the...
