Effective date: August 20, 2026
Please read this page carefully. It applies to every article and page on this site.
Independence
Guide — Disability Benefits & Claims, Explained is an independently operated educational website. It is not affiliated with, endorsed by, or sponsored by any government agency, insurance company, health plan, employer, hospital, law firm, or advocacy organization. It is not a law firm, an insurance company, an insurance broker or advisor, a healthcare provider, a government agency, or a disability advocacy or representation service, and it does not represent anyone.
No professional advice
Content on this site is general information for educational purposes only. It is not legal, financial, insurance, or medical advice. It is not a diagnosis, a treatment recommendation, a legal opinion, a coverage determination, or an evaluation of any individual claim, bill, policy, or benefit decision.
Only a licensed professional who knows the full facts of your situation can advise you. Nothing here should be relied on as a substitute for that. Reading this site, emailing us, or receiving a reply creates no professional relationship of any kind, and nothing you send us is confidential or privileged.
No guarantee of outcomes
We never promise results. Whether a claim is approved, a benefit is paid, an appeal succeeds, or a bill is reduced depends on facts, documentation, plan language, and decision-makers we cannot see. Where we describe what commonly happens, we are describing general patterns, not predicting your outcome. Worked examples on this site are composite illustrations, not real people, and are labeled as such.
Accuracy, currency, and change
Rules in this field change constantly — statutes are amended, regulations are revised, dollar thresholds and program figures are updated annually, and requirements differ by state, by plan, and by individual circumstance. We research from primary sources and show a “reviewed and updated” date on every article, but we cannot guarantee that content is complete, accurate, or current when you read it.
Always verify with the official source — the agency, regulation, or your own plan documents — before making a decision. Where we cite a figure, we date it and link the official page so you can check the current number rather than relying on ours.
Not a substitute for your own documents
Your plan documents, policy, summary plan description, and the letters you receive control your situation. Where anything on this site conflicts with those documents or with an official agency determination, those documents govern, not this site.
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External links
We link to government agencies, regulations, and nonprofit resources so readers can verify what we write. We do not control those sites and are not responsible for their content, accuracy, or availability. A link is not an endorsement.
No referrals
We do not name, rank, rate, or recommend any insurer, plan, provider, hospital, law firm, advocate, or professional, and we do not generate or sell leads. If you encounter content elsewhere that appears to be from this site and recommends a specific company or invites you to submit your details for an evaluation, it is not ours.
Errors and omissions
Despite careful research, errors happen. If you find one, email support@guide.upcomingscreen.com and we will review and correct it promptly. See our Editorial Policy for how corrections are handled.
If you are in crisis
If you are in crisis or thinking about harming yourself, help is available right now, free and confidential. Call or text 988 to reach the 988 Suicide & Crisis Lifeline, or chat at 988lifeline.org. You can also text HOME to 741741 to reach the Crisis Text Line. For substance use or mental health treatment referrals, SAMHSA’s National Helpline is 1-800-662-4357. If someone is in immediate danger, call 911.
Limitation of liability
To the maximum extent permitted by law, we accept no liability for any loss or damage arising from reliance on anything published here. Your use of this site is at your own risk and is governed by our Terms and Conditions.