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

K-Beauty Meets Sustainability: Why SoloVegan Is the Brand to Watch

Published

2 days ago

June 20, 2025

Michelle Langton

Photo Courtesy of: SoloVegan

By: Gerome Alvarez

SoloVegan is carving its path in a beauty industry dominated by aesthetics and fleeting trends. This Korean-inspired skincare brand aims to make high-performance, sustainable, and affordable products accessible to all. With a unique blend of advanced K-beauty innovation and ethical responsibility, SoloVegan is quickly becoming a name that beauty enthusiasts and conscious consumers alike cannot ignore.

The brand’s growth is impressive. With products now available in over 500 retail locations across North America, SoloVegan is living proof that skincare can be effective, ethical, and affordable. At a time when consumers demand more from the brands they support, SoloVegan delivers solutions that truly resonate.

The Glow-Up of K-Beauty and Clean Beauty

Korean Beauty, or K-beauty, has built a reputation for its innovative formulas, layered skincare routines, and effective results. SoloVegan combines these principles with the rising demand for clean beauty, offering plant-based, cruelty-free products free of harmful additives. Sustainability is a feature at the heart of SoloVegan’s mission.

Its product lineup reflects this commitment. The Glow & Dew You Brightening Serum, a fan favorite, is formulated with kojic acid and niacinamide to brighten skin and improve uneven tone. The Don’t Pop to Me Pimple Patches are another standout, offering quick and effective solutions for acne-prone skin. SoloVegan’s Guava Lip Duo adds a nourishing touch to daily routines.

“Skincare does not have to be a compromise between performance and ethics,” says the SoloVegan team. “We are proud to offer products that work while staying true to our commitment to sustainability.”

The brand’s eco-friendly packaging is yet another way it aligns with today’s consumers’ values. From concept to creation, SoloVegan ensures its products support skin health and the planet’s well-being.

More Than Skincare: A Brand with Heart

SoloVegan is not just a skincare brand but a brand with a bigger purpose. Beyond delivering high-quality products, the company empowers individuals and communities. Its partnership with CareerVillage.org, a platform that connects young people with professionals for career advice, is a testament to its commitment to making a difference.

“Partnering with CareerVillage.org allows us to contribute to something larger than ourselves,” says the team at SoloVegan. “It is about equipping the next generation with tools and advice to build their future.”

This initiative reflects the brand’s belief that beauty extends beyond skin deep. SoloVegan is changing what it means to be a socially responsible brand in the beauty industry by engaging with communities and fostering meaningful connections.

From Store Shelves to Shopping Carts

SoloVegan’s journey to becoming a retail staple is nothing short of impressive. The brand’s products are now available in over 500 stores across North America, including major retailers like Walmart Canada, Meijer, and King Soopers. Its online store, gosolovegan.com, further expands its reach, offering convenience for customers who prefer to shop digitally.

This growth is backed by strong financial performance. SoloVegan generates $20 million in annual revenue and has achieved a 12 percent year-over-year growth rate. Such numbers underscore the brand’s ability to connect with consumers and meet the demand for affordable, high-quality skincare.

Competing in a crowded market is no small feat, but SoloVegan stands tall against rivals like Bubble Skincare, Naturium, and Byoma. Its distinct combination of K-beauty origins, clean formulations, and community-driven initiatives gives it an undeniable edge.

“People want more than products, they want to believe in a brand’s story,” says the SoloVegan team. “We aim to be a brand that consumers trust and feel good about supporting.”

Where SoloVegan Is Headed

As SoloVegan looks into the future, it is clear that the brand is not slowing down. Its short-term goals include expanding its geographic presence and focusing on strengthening its position in Mexico and other untapped North American markets. It also invests in digital strategies to increase visibility and build trust through search engines and social media.

In the long term, SoloVegan envisions itself as a leader in the clean beauty movement, leveraging the industry’s projected growth to make an even bigger impact. The brand’s ability to adapt and innovate while staying true to its core values positions it for continued success.

SoloVegan’s journey involves blending science, sustainability, and heart. It proves that beauty is not just about what you put on your skin, it is about the values you support and the impact you make.

Why SoloVegan Is the One to Watch

Consumers are inundated with options but SoloVegan’s authenticity and commitment stand out. It delivers on its promise to provide skincare that works while supporting a sustainable future. For those seeking skincare that is as ethical as it is effective, SoloVegan is the answer. The brand is not just changing beauty but making it better.