As part of its compensation package, many employers offer insurance benefits. These benefits sometimes include Short Term and Long Term Disability (“STD and LTD”) insurance. This insurance is intended to provide partial income replacement if you become unable to...

Initial (First stage) and Reconsideration (Second stage) Understanding why the SSA process is so lengthy can be difficult. We can feel like SSA expects us to stick to strict deadlines and get paperwork in timely, but it seems like they have no such restrictions. They...

Many employers offer benefits in addition to wages. Besides health, dental, life, and accident insurance, some employers also offer short-term and long-term disability insurance. This insurance is designed to replace some of your regular income in the event you become...

You have jumped through every hoop, dotted every “i,” and crossed every “t,” but now the insurance company has informed you that your claim for short-term disability (“STD”) or long-term disability (“LTD”) has been denied. What’s next? Most disability policies, and...

Applying for disability benefits can be a complex and overwhelming process, especially when it comes to the Railroad Retirement Board (RRB) disability benefits. These benefits are essential for railroad employees who have become disabled and are unable to work. To...

The Foundation of Your Claim Medical records are the foundation upon which your OPM (Office of Personnel Management) disability claim is built. They serve as concrete evidence of your medical condition, its severity, and its impact on your ability to perform your job....

Navigating the process of applying for Social Security Administration (SSA) disability benefits can be complex and daunting. One crucial aspect that applicants often overlook is the significance of medical records. The Code of Federal Regulations (CFR) 404.1512...