Effective date: August 20, 2026
These Terms and Conditions govern your use of Guide — Disability Benefits & Claims, Explained (this “site”). By accessing or using the site, you agree to them. If you do not agree, please do not use the site.
1. Who we are, and what this site is
This site is an independently operated educational publication about US disability income benefits. 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.
2. Educational purpose only — no professional advice
All content is provided for general informational and educational purposes. Nothing on this site is legal, financial, insurance, or medical advice; nothing is a diagnosis, treatment recommendation, or evaluation of any individual claim, bill, policy, or benefit decision; and nothing is a substitute for advice from a licensed professional in your state who knows your circumstances.
Using this site, contacting us, or receiving a reply from us creates no attorney-client, advisor-client, agent-client, or provider-patient relationship of any kind. Communications with us are not confidential or privileged. See our Disclaimer.
3. No guarantee of accuracy or currency
The rules described here — statutes, regulations, plan terms, deadlines, dollar thresholds, and program requirements — change over time and vary by state, by plan, and by individual circumstance. We research carefully and cite official sources, but we do not warrant that any content is complete, accurate, or current at the moment you read it. Figures and ranges are illustrative unless expressly stated otherwise. Always confirm current requirements with the official source before acting.
4. Eligibility
The site is intended for adults aged 18 or older, primarily in the United States. It is not directed to children under 13.
5. Permitted use and intellectual property
All articles, text, layouts, graphics, and compilations on this site are our property or used with permission, and are protected by copyright and other laws. We grant you a limited, personal, non-exclusive, revocable licence to view and print pages for your own non-commercial use.
You may quote a short excerpt with clear attribution and a link to the original page. You may link to any page here freely. You may not republish, syndicate, scrape, mirror, or resell substantial portions of the content; use it to train commercial models without permission; remove attribution or notices; or present our content as your own. For permission requests, email support@guide.upcomingscreen.com.
6. Prohibited conduct
You agree not to: use the site unlawfully or for any unlawful purpose; attempt to gain unauthorized access to the site, its servers, or related systems; interfere with or disrupt the site, including through excessive automated requests, scraping that burdens the servers, denial-of-service attempts, or the introduction of malicious code; misrepresent your affiliation with us; or use the site to harass any person.
7. Advertising
This site is supported by display advertising, currently served through Google AdSense. Advertisements are selected and delivered automatically by third parties and are visually distinguishable from editorial content. An advertisement is not an endorsement. We do not vet, verify, or recommend advertisers or their products, and we are not responsible for their content, claims, offers, or practices. Any dealing with an advertiser is solely between you and them. See our Advertising Disclosure.
8. Third-party links
We link to government agencies, regulations, and nonprofit resources for verification. We do not control those sites, we are not responsible for their content or availability, and a link is not an endorsement. Your use of any linked site is governed by that site’s own terms and privacy policy.
9. Disclaimer of warranties
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the site will be uninterrupted, secure, or error-free.
10. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF BENEFITS, COVERAGE, INCOME, PROFITS, OR DATA, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THIS SITE OR ANY CONTENT ON IT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. You are responsible for decisions you make about your own benefits, claims, coverage, and finances.
Some jurisdictions do not allow certain exclusions or limitations, so parts of this section may not apply to you. Nothing in these Terms excludes liability that cannot lawfully be excluded.
11. Indemnification
You agree to indemnify and hold us harmless from any claim or demand, including reasonable legal fees, arising out of your breach of these Terms or your misuse of the site.
12. Changes to the site and to these Terms
We may modify, suspend, or discontinue any part of the site at any time, and we may revise these Terms. Revisions take effect when posted, with an updated effective date. Continued use after a change means you accept the revised Terms.
13. Termination
We may restrict or terminate access to the site for anyone who violates these Terms or misuses the site.
14. Governing law and severability
These Terms are governed by the laws applicable where the publisher operates, without regard to conflict-of-law rules. If any provision is held unenforceable, the remainder stays in force.
15. Entire agreement and contact
These Terms, together with our Privacy Policy, Cookie Policy, and Disclaimer, are the entire agreement between you and us regarding the site. Questions: support@guide.upcomingscreen.com.