Disabilities can strike at any moment, leaving you unable to work and facing significant financial challenges. With mounting medical bills, daily living expenses, and the stress of lost wages and benefits, it can feel like a never-ending cycle of hardship. In these moments of uncertainty, long-term disability (LTD) insurance can offer a lifeline, providing the…
Pre-existing conditions affect millions of people across the United States. Conditions like diabetes, heart disease, asthma, or back problems can have a major impact on your physical health and well-being. However, a pre-existing injury can also impact your ability to recover long-term disability (LTD) benefits. Many LTD insurance policies have clauses that limit recovery if…
A cancer diagnosis can disrupt your life. You can experience debilitating symptoms that interfere with your daily activities; these symptoms are caused not only by the illness, but also the intense treatment that you may require. In many cases, you are unable to return to work while battling cancer. Many Minnesota residents hold long-term disability…
