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South Lake Tahoe Disability Benefits Blog

3 reasons your disability claim got rejected

Having your disability application get denied can be heartbreaking. After months of gathering evidence, talking with your local office and anxiously waiting to hear back, getting that dreaded rejection letter can feel defeating.

However, it’s not uncommon for the Social Security Administration to deny a person’s disability claims. According to recent data, more than half of disability applicants get rejected.

Should you elect COBRA coverage while waiting for SSDI benefits?

If your employment has been terminated due to a long-term disability, you may receive a letter from your company about the option to continue health benefits for a limited time under COBRA.

Formally known as the Consolidated Omnibus Budget Reconciliation Act, COBRA is a federal law that requires employers with more than 20 employees to extend insurance benefits for a limited time to those who experience a qualifying life event.

Do’s and don’ts for filing a long-term disability claim

When you become seriously sick or injured, filing a claim to gain access to the long-term disability (LTD) benefits you need can seem daunting. After the diagnosis of a chronic condition or suffering a debilitating injury, the last thing you may feel up to is completing complex paperwork.

Whether you have a private LTD policy or a policy through your employer, filing a claim for coverage can be a long and tedious process. Here are five do’s and don’t to help you along the process of filing a long-term disability claim:

Disability offsets: What you need to know

Disability insurance can be complicated. Not only must you navigate a complex world of regulations and red tape, but you must do so while living with a disability. Even if you have lots of experience with disability insurance, you may still find many aspects of it confusing.

One concept that may throw you for a loop is disability offsets. Many insurance policies contain these provisions—but many policyholders do not understand them.

Was your claim for LTD coverage denied? Here’s what to do next.

Applying for long-term disability means you are probably already experiencing a severe injury or illness. If your long-term disability (LTD) coverage has just been denied, things may seem worse than ever. What can you do now? How are you going to manage your finances if you are unable to work?

Filing your LTD claim is complex enough for most people. Now, you have the additional burden of the LTD appeal process. If this is you, you might be wondering where to begin. Try to keep the following in mind as you move forward with your appeal of an LTD denial:


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