Long COVID Disability Claim Denials | LTD Attorney

What is Long COVID? Long COVID, also known as post-acute sequelae of SARS-CoV-2 infection (PASC) or post-acute COVID-19 syndrome, refers to a range of persistent symptoms experienced by individuals who have recovered from acute COVID-19 infection. While many people with COVID-19 experience mild to moderate symptoms that resolve within a few weeks, some individuals continue […]

Chronic Obstructive Pulmonary Disease (COPD) | Long-term Disability Benefits

What is Chronic Obstructive Pulmonary Disease (COPD)? Chronic Obstructive Pulmonary Disease (COPD) is a progressive lung condition characterized by obstructed airflow that makes breathing difficult. The disease includes several lung conditions, primarily chronic bronchitis and emphysema—often caused by long-term exposure to irritating gases or particulate matter, most commonly from cigarette smoke. In COPD, the airways […]

Inflammatory Bowel Disease | Long-term Disability Benefits

What is Inflammatory Bowel Disease? Inflammatory Bowel Disease (IBD) describes chronic conditions involving inflammation of the gastrointestinal tract. Main types are Crohn’s disease and ulcerative colitis. Crohn’s disease can affect any part of the digestive tract, while ulcerative colitis mainly affects the colon and rectum. Symptoms include abdominal pain, diarrhea, weight loss, and fatigue, varying […]

Appealing a Long-Term Care Claim Denial: A Step-by-Step Guide

If your long-term care insurance claim has been denied, you may feel frustrated and unsure of what to do next. However, the good news is that you have the right to appeal the denial. Here is a step-by-step guide to help you through the appeals process: Step 1: Review the denial letter The first step […]

Recognizing Significant Cognitive Decline for Long-Term Care Qualification

As we age, it’s natural for our cognitive abilities to undergo changes. Yet when these changes become more pronounced and start interfering with daily functioning and overall quality of life, it may suggest a significant cognitive decline. Qualifying for long-term care based on cognitive decline involves a comprehensive assessment to ensure that individuals receive the […]

Important Role of Activities for Daily Living (ADLs) In Long-Term Care Insurance

Long-Term Care insurance (LTC insurance” serves as a vital safety net, providing financial protection to individuals who find themselves unable to care for themselves usually do to aging  Most LTC policies pay benefits when the insured is unable to accomplish two Activities for Daily Living (ADLs). ADLs are essential tasks that individuals typically perform daily. […]

What Is a Secondary Notice Policy Lapse?

A Secondary Notice Policy Lapse refers to a situation where a policyholder fails to pay their insurance premium on time, resulting in a lapse or termination of the policy coverage. In this scenario, the insurance company sends a secondary notice to the policyholder informing them of the policy lapse and the consequences of not making […]

What Is Insurance for Long-Term Care?

Long-term care insurance (LTC insurance) is a type of coverage for those who can no longer care for themselves due to a disability, chronic illness, cognitive impairment, or loss of functional capacity. Although these insurance policies are not based on age, the elderly are most in need of these policies. Policies for long-term care may […]