Fresno California ERISA Blog
4 steps to appeal an ERISA claim denial or termination
ERISA stands for the Employee Retirement Income Security Act of 1974. The simplest way to understand ERISA is that it establishes minimum standards for most employer-provided retirement (pension plans), health, and other welfare benefit plans, including life...
Supreme Court to hear three major ERISA cases
After three years without hearing any significant Employee Retirement Income Security Act (ERISA) cases, the U.S. Supreme Court has scheduled three prominent lawsuits during its current term, which began on Oct. 1. A recent study found that while ERISA cases have a...
Why might an insurance company deny a life insurance claim?
When a loved one dies, you face many struggles. You will have to deal with the emotions around losing someone you loved. You will have to plan and pay for a funeral and burial costs. But one struggle you don't want to have is fighting a life insurance company....
Chronic fatigue syndrome can be difficult to prove
Myalgic encephalomyelitis/chronic fatigue syndrome (ME/CFS) may affect up to 2.5 million Americans according to the Centers for Disease Control and Prevention (CDC). Unfortunately, many people who suffer from the illness may not know they do. As of now, there is no...
Long-term disability denials often deny plain facts
There are laws "on the books" meant to guarantee your long-term disability insurance will be there for you if you're unable to work due to a health condition. But too often, laws are one thing and business is another. A Chicago CBS affiliate recently profiled Glenn, a...
Americans dying sooner as insurers deny mental health claims
For more than a decade, the Mental Health Parity and Addiction Equity Act (MHPAEA) has banned insurers from treating mental health problems significantly differently from physical issues. By federal law, we’re protected against discrimination in insurance on the basis...
Social media gives excuses to deny long term disability
A career-ending long-term disability (LTD) can be among the most devastating events in life. It doesn't help when you're denied the disability insurance payments you are owed. How much could that money really mean to a huge insurance company? The answer is in the...
Improve your chances for ERISA claim approval
The intention of the Employee Retirement Income Security Act (ERISA) is to protect employees who work for private companies and receive benefits from their employers versus their own personal insurance company. Prior to this act, each state had their own regulations...
The most common reasons for long-term disability claims
Many people don't realize the types of disabilities most likely to affect them. While serious injuries from car wrecks or home accidents jump to mind, those generally represent a much smaller portion of causes for long-term disability claims than you might guess. The...
What are my options after a long-term disability claim is denied?
Long-term disability insurance is supposed to be your safety net. If something happens and you can no longer work, you expect your employer-offered plan to be there. Because of this, having an insurance company deny or terminate your disability benefits can be...
