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By Sandstone Law Group
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November 19, 2025 | Employer Benefits
Working While Disabled: When Layoff Anxiety Meets Health Challenges for Tech Employees
You’re managing a chronic health condition while your company announces another round of cuts. The pain is worsening, your cognitive...
November 13, 2025 | Employer Benefits
Tech Layoffs and Long-Term Disability: What Happens When You Lose Your Job While on LTD Benefits?
Your long-term disability benefits usually continue even if you’re laid off—but only if your disability began while you were still...
November 10, 2025 | Long-Term Care Insurance
What Is a Third-Party Administrator in Long-Term Care Insurance?
A third-party administrator (TPA) in long-term care insurance is a company hired by an insurance company to handle administrative tasks...
October 30, 2025 | Long-Term Disability
How to Complete Disability Paperwork So You Don’t Get Denied Benefits
Completing disability paperwork so you don’t get denied benefits requires thorough preparation, precise documentation, and understanding what insurance companies look...
October 28, 2025 | Long-Term Disability
Own Occupation vs. Any Occupation: Understanding Your Disability Policy Definition
The terms “own occupation” vs. “any occupation” are not just technicalities in your disability insurance policy. These definitions determine if...
October 16, 2025 | Long-Term Disability
How Important are Medical Records to Your Disability Claim?
Your medical records are the single most important element of your disability claim. Clear, detailed medical documentation provides the essential proof...
October 14, 2025 | Long-Term Disability
What is the Difference Between Group and Individual Disability Insurance Denials?
The main difference between group and individual disability insurance is who controls the policy and what laws govern it. Understanding...
October 10, 2025 | Long-Term Care Insurance
Premium-Rate Litigation & the NAIC Multistate Framework
Long-term care insurance policyholders across the country are facing an unprecedented crisis. Insurance companies that sold policies decades ago are...
October 2, 2025 | Long-Term Disability
Can I Fight a Disability Denial on My Own?
Fighting a disability denial on your own could lead to costly mistakes that further delay the benefits you need. Experienced...
September 26, 2025 | Insurance Bad Faith
The Most Common Bad Faith Tactics in Long-Term Care Insurance Denials
Purchasing a long-term care (LTC) insurance policy should provide peace of mind in the face of future care needs. Yet,...
September 24, 2025 | Long-Term Care Insurance
Who Is Really Handling Your Long-Term Care Insurance Claim?
It is easy to assume that a large, reputable insurance company directly handles every aspect, but the reality is often...
September 24, 2025 | Long-Term Care Insurance
Level of Care Denials in Long-Term Care Insurance: Why Home Care Is Often Treated Differently Than Assisted Living or Nursing Homes
The promise of long-term care (LTC) insurance is clear: to provide financial support when you can no longer perform daily...