Long-term disability (LTD) coverage is designed to provide individuals suffering from long term disabilities with a portion of their monthly earnings to compensate their inability to return to work. Suffering from a long-term injury or impairment can be incredibly taxing – being informed that your injury falls under an exclusion clause makes this worse. Educating yourself on the rules surrounding exclusion clauses and the options available to you for denied coverage can help you navigate the often-confusing world of disability insurance.
http://www.advocatedaily.com/s