Pain can be a monkey on your back that prevents you from working. You might have pain as a result of chronic migraines or a herniated disk that causes back or leg pain. There are an estimated 160 million sufferers of chronic pain in the United States according to the Institute of Medicine. If your […]

If you have purchased a disability plan through a private insurer or have coverage through an employer, you may be entitled to long term disability benefits if you suffered from a heart attack. Researchers at Duke University reported that when heart attack victims are taken to hospitals that aren’t equipped to perform life saving procedures,

According to the Journal of American Cardiology, the incidence of infections in implantable cardiac devices has tripled since 1993. If you had an infection after a cardiac implant that results in you being disabled, you may be entitled to long term disability benefits if you purchased a disability policy from a private insurer or have

Hearing loss has many causes, these can include: Heart disease Family history of hearing loss Working in a noisy environment Hearing loss effects more than just your ability to hear, it can limit your inability to interact with family friends and co-workers. If you have a long term disability policy and suffer hearing loss, you

Many physicians, lawyers and accountants think that because they have a group long term disability policy through their employer, they don’t need to have an individual disability policy. That’s a big mistake that can jeopardize your financial future because: Most group long term disability policies cover 60% of base income and, have a monthly benefit

Unfortunately, many long term disability carriers try to clean up their books every quarter just before they have to make quarterly reports to their share holders. It’s not uncommon for many long term disability policy holders to get letters stating that their long term disability benefits were denied or terminated. If you’ve been denied long

It is not uncommon for short and long term disability applicants to lose, at some point, their group health insurance coverage when they are terminated by their employer. It is important that you get medical care not only for the treatment of your disabling condition or you are generally required by the terms of the

You should protect your income, particularly if you are a small business owner or a professional like a doctor, lawyer or dentist. Before you apply for disability insurance policies, you should know the six most common reasons for your disability insurance carrier to say no to your disability application and refuse to cover you. These include:

Many Americans who purchased long term disability benefits to protect them in the event that they are unable to perform their occupation. If you haven diagnosed with heart failure, you may be entitled to long term disability benefits. To help manage your heart failure you should: Monitor you weight. Take medication as directed. Limit your salt