Every long-term disability policy contains a provision known as the "change of definition of disability". This relates to the insurance company's definition of what is known as "total disability".

The Americans with Disabilities Act (ADA) is a piece of civil rights legislation designed to protect the rights of people with disabilities. It was passed into law in 1991 and guarantees equal rights ...

In response to what many saw as a weakening of the federal Americans with Disabilities Act by the courts, Congress has broadened the definition of disability as a means to provide greater protection ...

Forbes contributors publish independent expert analyses and insights. Andrew Pulrang writes about disability practices, policy, and culture. Oct 14, 2019, 12:17pm EDT Oct 14, 2019, 07:23pm EDT This ...

The requirements of every LTD policy can vary. Review your policy carefully to understand the qualifications and how your condition aligns with the insurer’s definitions of disability. When evaluating ...

If you receive a denial letter from your insurer, your best course of action is to seek legal advice, says a leading ...