Lifestyle

6 Ways to Win Your Long-Term Disability Claim or Appeal

Published

2 years ago

September 7, 2023

Anyone who applies for long-term disability insurance is required to prove that they are unable to work due to their conditions. Sometimes, when submitting a claim, the medical records and statements provided may not be sufficient. If your long-term disability benefits claim was denied, you have the right to appeal. However, it is a good idea to create an ironclad claim before submission to avoid the need to appeal completely. Here are our top tips for winning an LTD claim or appeal.

Hire A Lawyer

Disability insurance is a complex field that can be difficult for even the most educated person to navigate. Working with an attorney who has experience with disability insurance policies and laws is the best way to effect a positive outcome. A lawyer will be able to help with your own occupation disability insurance and all occupation claims or appeals with equal finesse.

Make Sure You Have Objective Evidence

LTD claims that are submitted with strong objective medical evidence are more likely to be approved. An insurance provider will have a hard time denying objective advice from a reputable medical professional, even if they have their own doctor perform an evaluation. Gather clinical statements, lab tests, and the results of your functional capacity evaluations prior to submitting a claim or an appeal.

Get A Copy of Your Claim

If your claim has been denied and you plan to appeal, make sure you have a copy of your original claim. The claim file will have all communications between you and the insurance provider, copies of submitted forms and reports, and, the guidelines used to deny the claim. Knowing why your claim was denied will help you cure those problems upon appeal.

Prepare a Vocational Assessment

This assessment will provide thorough detail as to why your conditions prevent you from remaining gainfully employed. This assessment may include a list of duties and how your conditions prevent you from completing those duties. Depending on the policy type, the assessment will also determine if you are qualified to work in a different occupation while suffering from a disability.

Hire Your Own Experts

When filing a claim or an appeal for long-term disability benefits, assessments play a critical role. The insurance company will always have its own evaluators, but you have the right to hire your own. Have a reputable medical professional perform a functional capacity evaluation for consideration. Mental health is another important aspect to be assessed. You can also have a trained medical provider perform a neuropsychological evaluation for both cognitive and mental health changes.

Respond to the Denial

It is important to review the reasons your claim was denied and remedy those issues. The most common issues are a lack of medical evidence, poor or no treatment for the condition, and no evidence that there are severe symptoms. Being able to work with certain accommodations and actually having your condition improve are other common reasons for the denial. Respond to each denial reason provided to avoid facing an appeal denial.

Get The Benefits You Deserve

With the right planning and a savvy attorney, getting approval for LTD benefits will be a breeze. For those who are facing an appeal, working with a lawyer and following the suggestions above will put you on the path to success.

Author Bio: Heather Blacksmith has a Bachelor’s Degree in Finance and works at a finance firm based in Seattle, Washington. She specializes in small business finance, credit, law, and insurance. When she is not working, she spends her time in her favorite coffee shop writing on various finance-related topics. Other than that, she enjoys adult coloring books, recycling, and running.

Lifestyle

The Power of Integration: Fred A. Kressaty’s Inner Harmony Redefines Emotional and Spiritual Growth

Published

16 hours ago

November 19, 2025

Michelle Langton

In today’s world, personal growth often feels fragmented. Self-help trends lean heavily toward emotional intelligence (EQ) or spirituality but rarely explore how these powerful forces can work together.

Fred A. Kressaty’s book, Inner Harmony: Mastering Emotional & Spiritual Intelligence, bridges this gap, presenting a revolutionary approach to achieving balance and purpose.

By merging emotional and spiritual development, Fred provides readers with a comprehensive framework for managing life’s challenges with resilience and authenticity.

This innovative perspective has made Inner Harmony a standout in the crowded self-help genre, earning it a place on the shelves of readers seeking practical and profound guidance for living a fulfilled life.

The Missing Link Between Emotional and Spiritual Intelligence

While emotional intelligence emphasizes understanding and managing one’s emotions, spiritual intelligence leads to finding more profound meaning and purpose. These two intelligences are often treated as separate paths, but Fred argues they are deeply intertwined.

In Inner Harmony, he reveals how integrating EQ and SQ leads to holistic well-being, clarity, inner peace, and stronger relationships.

Fred explains that EQ helps us journey through the external world—our relationships, professional lives, and personal goals—while SQ connects us to the internal world of values, beliefs, and purpose.

By blending these intelligences, we can achieve a state of “inner harmony” that aligns our actions with our more profound truths.

The Practical Framework of Inner Harmony

One of the book’s key strengths is its practicality. Fred doesn’t just discuss theories; he offers readers a step-by-step guide to applying EQ and SQ principles in everyday life.

The book introduces readers to tools like mindfulness practices, emotional regulation techniques, and values-based decision-making. These methods help individuals build resilience, strengthen relationships, and lead more intentional lives.

The chapter on resilience is particularly impactful. It shows how emotional intelligence can help individuals bounce back from setbacks, while spiritual intelligence offers the perspective needed to find meaning in challenges.

Fred’s approach empowers readers to see adversity not as a roadblock but as an opportunity for growth.

Empathy and Connection: The Heart of Inner Harmony

Empathy is one of the book’s central themes, and Fred explores it through the lens of both EQ and SQ. Emotional intelligence enables us to understand others’ feelings, while spiritual intelligence helps us approach those feelings with compassion and a sense of interconnectedness. A dual perspective that transforms how we interact with others, fostering more profound, more meaningful connections.

Fred’s insights into authentic communication are especially relevant in today’s polarized world. By combining emotional awareness with spiritual values like patience and forgiveness, readers can approach difficult conversations with empathy and understanding, creating bridges instead of barriers.

Leadership Through EQ and SQ

Fred devotes much of the book to exploring how EQ and SQ can transform leadership. He argues that great leaders are not just emotionally intelligent—they are also spiritually grounded.

The book includes practical advice for integrating EQ and SQ into leadership practices, from using self-awareness to navigate tough decisions to employing empathy to connect with team members. Fred’s insights are backed by real-world examples, making the concepts easy to understand and apply.

The Role of Mindfulness in Integrating EQ and SQ

Mindfulness emerges as a key tool in Inner Harmony, as the bridge connecting emotional and spiritual intelligence. Fred introduces readers to mindfulness practices that enhance self-awareness, emotional regulation, and spiritual clarity.

By staying present and grounded, individuals can navigate their emotions more effectively and make decisions aligned with their values.

The book offers simple yet impactful exercises, such as mindful breathing and reflective journaling, that readers can incorporate into their daily routines. These practices help cultivate a sense of balance and perspective, even in the face of life’s challenges.

Why Inner Harmony Matters Today

Inner Harmony is a timely guide to achieving balance in an era marked by burnout, anxiety, and disconnection. Fred’s integrated approach addresses the root causes of these issues, offering readers the tools to lead more intentional and meaningful lives.

His focus on both emotional and spiritual growth ensures that the book resonates with a broad audience, from professionals seeking workplace balance to individuals looking to deepen their relationships.

The book’s emphasis on aligning actions with values is particularly impactful. In a culture that often prioritizes productivity over purpose, Inner Harmony encourages readers to pause, reflect, and reconnect with what truly matters.

The Vision Behind the Book

Fred A. Kressaty’s motivation for writing Inner Harmony stems from his journey of transformation. After a near-death experience in 2000, he underwent a profound spiritual awakening that reshaped his understanding of life’s challenges.

This moment inspired him to study the Bible, explore emotional intelligence, and ultimately develop a framework that integrates these insights.

For Fred, the book is more than a guide—it’s a mission. He hopes to empower readers to discover the tools within themselves to live with purpose, authenticity, and connection.

His approachable tone and relatable anecdotes make the book both inspiring and accessible, ensuring its message reaches those who need it most.

A Legacy of Balance and Purpose

As Fred A. Kressaty continues his work as a coach and counselor, Inner Harmony is the culmination of his life’s dedication to helping others. The book is not only a reflection of his professional expertise but also a testament to his belief in the transformative power of resilience, self-awareness, and faith.

Whether going through a personal crisis, seeking greater clarity in your relationships, or looking to lead purposefully, Inner Harmony: Mastering Emotional & Spiritual Intelligence offers a roadmap to a more balanced and fulfilling life.

Fred’s story and book remind us that balance is not about perfection but about alignment. Connecting our emotional and spiritual selves creates a foundation for resilience, connection, and lasting fulfilment.

To Purchase The Book, Visit:

E-book: https://www.amazon.com/Inner-Harmony-Mastering-Emotional-Intelligence-ebook/dp/B0FSGQC233/ref=tmm_kin_swatch_0

Paperback: https://www.amazon.com/Inner-Harmony-Mastering-Emotional-Intelligence/dp/1304106276/ref=tmm_pap_swatch_0

Hardcover: https://www.amazon.com/Inner-Harmony-Mastering-Emotional-Intelligence/dp/1304106209/ref=tmm_hrd_swatch_0