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Substance abuse disorder can be severely disabling, affecting your daily life in serious ways. But many aren't aware that addiction can be a disease, and that if you are unable to perform the basic duties of your job because of it, you may be eligible for long-term disability benefits. Substance Abuse vs. Addiction vs. Illegal Drug Use A person who struggles with drug and/or alcohol addiction doesn’t become an addict overnight. Addiction may begin with a back injury or auto accident for which you were prescribed legal pain medication. The pain medication may consist of strong opioids — especially for injuries involving nerve damage, spinal injuries, or severe fractures. And in many cases, doctors may over-prescribe these medications instead of treating the injury with…Read More

If you have a private disability insurance policy or receive benefits through your employer, you may be used to dealing directly with the insurance company. But Sedgwick Claims Management Services is a third-party claims administrator. That means that while they do not actually pay out benefits, other companies will use them to review, approve, or deny disability insurance claims. And many Sedgwick disability claims are denied. Sedgwick Manages Both Short and Long-Term Insurance Claims Disability insurance pays a portion of your regular income while you are unable to work. Short-term disability insurance typically provides benefits for a period of months before long-term disability benefits begin. Long-term disability benefits can last for years, in some cases, until retirement. The duration of your benefits will depend on the…Read More

A stroke can cause severe brain damage, negatively impacting a person's ability to think, move or communicate. And in many cases, these cognitive deficits can lead to a permanent disability. If you or a loved one suffered a stroke, here's what you need to know about filing a stroke long-term disability claim. How Can You Tell If Someone Is Having a Stroke? Strokes occur when blood flow to the brain is blocked by a blood clot, an aneurysm bursts, or if blood from a blood vessel leaks into the brain. A stroke can come on suddenly, and the best chance of survival and reducing the severity of disability is to react quickly. Symptoms of stroke include numbness, dizziness or balance…Read More

If you are living with heart disease and struggling to maintain stable employment, you may be eligible for long-term disability benefits. But what heart conditions qualify for disability? Types of Heart Disease According to the Centers for Disease Control, heart attacks are the number one cause of death in the United States for both men and women. Most heart conditions involve the slowing or blockage of blood flow to the heart. Below are common types of heart disease: Heart Attack Atherosclerosis is caused by plaque building up on the walls of your arteries. As the plaque continues to build up, your arteries get narrower and cannot deliver blood to the heart. The result is a heart attack, also called a myocardial infarction or…Read More