It is a well-known fact that disability claims through long-term disability insurance are often denied. Even when the entire appeals process is exhausted, you or your disabled loved one may be left without benefits. There are some fairly standard reasons for these denials, some of which you can avoid and some of which you can’t. In either case,
Suppose you sustain a disabling illness or injury that keeps you from performing your occupational duties. In that case, you might rest easier with the knowledge that you have employer-sponsored disability insurance coverage. What you might not be aware of is that the process of applying for and receiving benefits under an employer governed group disability insurance plan
For many injured or chronically ill employees, long-term disability benefits are the only way that they can continue to make ends meet. Without these payments, they wouldn't have any way to support themselves or their families. However, having your long-term disability benefits approved doesn't mean you will be able to receive them for as long as you think