{"version":"1.0","provider_name":"Barna, Guzy &amp; Steffen, LTD.","provider_url":"https:\/\/www.bgs.com\/blog","author_name":"John T. Buchman","author_url":"https:\/\/www.bgs.com\/blog\/author\/john-t-buchman\/","title":"Long-Term Disability Benefits Law - Looking at Options - Barna, Guzy &amp; Steffen, LTD.","type":"rich","width":600,"height":338,"html":"<blockquote class=\"wp-embedded-content\" data-secret=\"dRrtKHuNuD\"><a href=\"https:\/\/www.bgs.com\/blog\/2013\/05\/15\/long-term-disability-benefits-law-looking-at-options\/\">Long-Term Disability Benefits Law &#8211; Looking at Options<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/www.bgs.com\/blog\/2013\/05\/15\/long-term-disability-benefits-law-looking-at-options\/embed\/#?secret=dRrtKHuNuD\" width=\"600\" height=\"338\" title=\"&#8220;Long-Term Disability Benefits Law &#8211; Looking at Options&#8221; &#8212; Barna, Guzy &amp; Steffen, LTD.\" data-secret=\"dRrtKHuNuD\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/*! This file is auto-generated *\/\n!function(c,d){\"use strict\";var e=!1,o=!1;if(d.querySelector)if(c.addEventListener)e=!0;if(c.wp=c.wp||{},c.wp.receiveEmbedMessage);else if(c.wp.receiveEmbedMessage=function(e){var t=e.data;if(!t);else if(!(t.secret||t.message||t.value));else if(\/[^a-zA-Z0-9]\/.test(t.secret));else{for(var r,s,a,i=d.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),n=d.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),o=new RegExp(\"^https?:$\",\"i\"),l=0;l<n.length;l++)n[l].style.display=\"none\";for(l=0;l<i.length;l++)if(r=i[l],e.source!==r.contentWindow);else{if(r.removeAttribute(\"style\"),\"height\"===t.message){if(1e3<(s=parseInt(t.value,10)))s=1e3;else if(~~s<200)s=200;r.height=s}if(\"link\"===t.message)if(s=d.createElement(\"a\"),a=d.createElement(\"a\"),s.href=r.getAttribute(\"src\"),a.href=t.value,!o.test(a.protocol));else if(a.host===s.host)if(d.activeElement===r)c.top.location.href=t.value}}},e)c.addEventListener(\"message\",c.wp.receiveEmbedMessage,!1),d.addEventListener(\"DOMContentLoaded\",t,!1),c.addEventListener(\"load\",t,!1);function t(){if(o);else{o=!0;for(var e,t,r,s=-1!==navigator.appVersion.indexOf(\"MSIE 10\"),a=!!navigator.userAgent.match(\/Trident.*rv:11\\.\/),i=d.querySelectorAll(\"iframe.wp-embedded-content\"),n=0;n<i.length;n++){if(!(r=(t=i[n]).getAttribute(\"data-secret\")))r=Math.random().toString(36).substr(2,10),t.src+=\"#?secret=\"+r,t.setAttribute(\"data-secret\",r);if(s||a)(e=t.cloneNode(!0)).removeAttribute(\"security\"),t.parentNode.replaceChild(e,t);t.contentWindow.postMessage({message:\"ready\",secret:r},\"*\")}}}}(window,document);\n<\/script>\n","description":"Personal Injury and Long-Term Disability It\u2019s no secret that employees are working longer and people are living longer than ever before. The economic conditions have caused many employees to push back their retirement date. One consequence of these facts is that there has been a marked increase in long-term disability claims by disabled employees. Many employers provide long-term disability benefits as part of their employment package. I recently assisted two clients in obtaining \u201cLTD\u201d benefits. These turned out to be quite involved and time intensive. One required an internal appeal in which we were successful. In order to be entitled to long term disability benefits, a person has to be \u201cdisabled\u201d continuously for the initial \u201celimination\u201d or waiting period and beyond. This disability need not be, and in fact is often not, due to a work-related injury. Disability can be established by a combination of unrelated injuries, conditions or illnesses that combine to prevent a person from working for the required period of time. Different policies can define \u201cdisability\u201d differently. Many policies adopt the definition of disability found in the Social Security Disability Act. However, the policies need not use that definition and many do not. Generally, these definitions require that the person be unable to perform the material and substantial duties of..."}