According to the Centers for Disease Control (CDC), Lyme disease affects close to 25,000 people each year in the United States. In 2011, 96% of all cases were reported in 13 states in the northeast and upper Midwest, including right here in Virginia. The symptoms of Lyme disease, if left untreated, can be debilitating. Unfortunately…
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Many private disability insurance companies have rules about what you must do to continue receive benefits. For Short Term Disability (“STD”), most insurance companies require simply that the insured be disabled from their “OWN OCCUPATION.” This “Own Occ” requirement means that you cannot perform the essential requirements of your own job. Usually, after a…
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