Do You Have a Disability Case?
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A Day In The Life With Multiple Sclerosis

A Day In The Life With Multiple Sclerosis

Multiple Sclerosis (MS) can make the most fundamental daily tasks seem monumental. It can be a profoundly isolating experience, whether you live alone or with a family, feeling trapped in your own body.  Anna*, a client of ours, generously agreed to give us a glimpse at what her day-to-day experience with Relapsing-Remitting MS (RRMS) was like before she applied for long term disability benefits. A 46-year-old 5th-grade teacher at a local public school, she lived with her husband and just recently sent her twin sons off to University.  We met Anna six months...
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When it Comes to COVID-19 Pop Culture Shapes the Conversation

When it Comes to COVID-19 Pop Culture Shapes the Conversation

When Tom Hanks first announced that he and wife Rita Wilson had been diagnosed with COVID-19, it fundamentally altered the shape of the coronavirus discussion in North America. Before that, the media had focused primarily on the other side of the world, where the virus had already had a devastating impact in China, Italy and elsewhere. As one of the most beloved (and recognizable) actors of his generation, Tom Hanks served as a reality check. He made the disease seem less anonymous and indicated that no one would be immune to the pandemic. Hanks and Wilson have since...
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Fibromyalgia Denied With Not Enough Proof

Fibromyalgia Denied With Not Enough Proof

Carter was used to a little bit of pain. He spent a lot of time on his feet in his day job as a building manager, and things just hurt more at 50 than they did at 20. That’s why he wasn’t too concerned when he started to experience mild but recurring pain that spread from his right leg to his lower back. It was unpleasant, but not entirely unexpected. Unfortunately, those symptoms persisted, and his efforts to diagnose the problem were largely ineffective. Based on the location of the pain, Carter thought it might have something to do with a bad fall that he had...
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Quitting Your Job Can Impact Your Disability Insurance Benefits

Quitting Your Job Can Impact Your Disability Insurance Benefits

Invisible disabilities are difficult to battle in the workplace, but just because you don’t see something doesn’t mean it doesn’t exist. In the case of mental health disorders such as anxiety and depression, it’s becoming more common for employees to seek time off to recover from a disorder.  The stigma of these conditions and disorders is what often leaves employees wondering if an insurer will take them seriously or deem the claim as legitimate. In those times of overwhelming stress and disarray, an employee may feel disgruntled enough to leave their job entirely...
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Disabilities in the Media: The Road to Better Representation

Disabilities in the Media: The Road to Better Representation

Representation is far more than a Hollywood buzzword. A positive portrayal in the media can completely change the way the general public thinks about a marginalized group, and while the landscape is far from perfect, there are now a growing number of films and TV shows that feature characters (and actors) from a diverse array of backgrounds and experiences. Unfortunately, most conversations about representation still tend to exclude people with disabilities. According to a recent white paper from the Ruderman Family Foundation, able-bodied actors were cast to play the...
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LTD Benefits Denied Due to Pre-Existing Condition

LTD Benefits Denied Due to Pre-Existing Condition

Kirk still remembered the anxiety he had felt when he was first diagnosed with chronic pain at the age of 32.. While it was a relief to know why he’d been in so much pain, it was stressful to learn that there was no cure for the condition. He had spent more than a few sleepless nights worrying about how to live a normal life. Thankfully, his fears proved to be mostly overblown. Some days were worse than others, but for the most part, he was able to deal with his pain well enough to go about his day. He was on a decidedly upward trajectory by the time he reached his 40s....