There’s a huge relief that comes when your initial claim for long-term disability insurance benefits is approved and consistent monthly checks start coming in. No more financial insecurity. No more worrying about being able to afford the life you worked hard to build. Right?

Unfortunately, it doesn’t always play out that way. Long-term disability benefits are expensive. And while your insurance contract may promise that benefits are payable for a certain period—maybe even until retirement age—there are plenty of terms, conditions, exclusions, and exceptions in the fine print. The insurance company has a strong financial incentive to determine you’re no…

Continue Reading What To Do if Your Long-Term Disability Benefits Are Terminated