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The 24-Month Cliff: Are Your LTD Benefits About to Disappear?

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The 24-Month Cliff: Are Your LTD Benefits About to Disappear?

What Is The 24-Month Shift in Long-Term Disability Benefits? Long-term disability (LTD) payments offer a crucial financial safety net when a serious health condition prevents you from working. While these benefits provide necessary income, they adhere to specific rules and conditions. A common element within many LTD policies is the 24-month shift  from “own occupation” […]

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How Long-Term COVID-19 Symptoms Are Evaluated for Disability Benefits

How Long-Term COVID-19 Symptoms Are Evaluated for Social Security Disability Benefits And a Long Term Disability Insurance Claim Do people who are struggling with long-term COVID-19 (or “long COVID”) qualify for disability benefits? The short answer is yes, but it’s a complex question. If you have long COVID symptoms, ask a St. Petersburg disability lawyer

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How ERISA Impacts Long-Term Disability Appeals

What Is ERISA and Why Does It Apply to Disability Claims? The Employee Retirement Income Security Act (ERISA) is a federal law that governs most employer-sponsored benefit plans, including long-term disability (LTD) coverage. If your LTD insurance is offered through your job, it’s probably protected—and restricted—by ERISA. This law sets detailed rules for how insurance

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The Impact of Parkinson’s Disease on Cognitive Function and Disability Claims

How Does Parkinson’s Disease Affect Cognitive Function? Parkinson’s disease (PD) is increasingly recognized not just for its characteristic motor symptoms but for its significant impact on cognitive function. Cognitive dysfunction is one of the major clinical nonmotor symptoms of PD. Research indicates that virtually every individual with PD experiences some degree of cognitive deficit, ranging

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How Does Age Affect Your Social Security Disability Approval Chances?

Is Age a Factor in Whether Your Social Security Disability Claim Gets Approved? Your age is a key factor the Social Security Administration (SSA) considers when evaluating your Social Security disability (SSD) claim. There are a number of magic ages where it becomes “easier” to win (usually given as 50, 55 and 60 because age

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Navigating Social Security Disability Claims with Limited Work History

Getting Social Security Disability Benefits With a Limited Work History Is Possible Living with a disability that keeps you from being able to work can be incredibly difficult physically, emotionally, and financially. While Social Security Disability (SSD) benefits can offer some relief, the eligibility and application process can be confusing, especially if you’ve spent time

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How Can Widows and Disabled Adult Children Access Benefits

Accessing Benefits Can Sometimes Get Complicated There are a variety of social safety nets available in America. While some people may view these as government assistance, the reality is that many of us have paid into these programs for decades. Put simply, these benefits have been earned. Unfortunately, understanding how widows and disabled adult children

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Are You Eligible for Short-Term Disability in Florida if Your Condition Is Work-Related?

An illness or an injury can easily cause short-term disability and leave you financially stranded. As someone who lives and works in Florida, what can you do?  If you are injured on the job and your employer has offered you a short-term disability policy or coverage through a disability plan, you might be eligible for

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How Does ERISA Affect the Discovery Process in Disability Litigation?

What is ERISA and How Does It Work The Employment Retirement Income Security Act is a federal law that oversees the management and distribution of many types of employee benefits, including insurance provided by employers for short and long-term disability. If you work for a company, it’s crucial to determine if your disability policy is

How Does ERISA Affect the Discovery Process in Disability Litigation? Read More »