The federal Employee Retirement Income Security Act (ERISA) is in place to protect employees’ rights to receive disability benefits from private employers when they need them the most. But long-term disability claims are consistently denied by insurers for several...
The primary focus of ERISA – the Employee Retirement Income Security Act of 1974 is regulating retirement plans of private employers. But ERISA protections affect many other employee benefits, including disability insurance plans. Workers should understand that ERISA...
If you suffer from fibromyalgia, you know: This is a serious, debilitating condition. Widespread pain, loss of sleep, fatigue and serious emotional stress are all common symptoms and side-effects of fibromyalgia, as noted by the CDC. Although fibromyalgia is serious,...
Discrimination in health care impacts health outcomes. Research shows that one quarter of LGBTQ people who faced discrimination postponed or avoided receiving needed medical care for fear of further discrimination. In 2019, the Movement Advancement Project...
If your employer provided disability insurance carrier has denied your claim, the results could be disastrous. Assuming you have a valid claim, and you truly are suffering from a long-term disability, you need those benefits. They might be the only means you have of...
It often seems that insurance companies put their needs and bottom line ahead of the needs of their clients. Usually, this comes when insurers deny claims, with such explanations as the recommended surgery was unnecessary or that the claimant didn't try to avoid the...
The insurance industry presents numerous challenges for policyholders. Life insurance can be a particular problem. When a policyholder misses a payment, the insurance company can discontinue coverage. Insurance providers deny numerous claims every year due to lapses...
It is all but common knowledge that group insurance carriers tend to delay and deny long-term disability claims. When even the most obviously valid claims can present difficulties for policyholders, claims involving less clear-cut illnesses like post-traumatic stress...
If you have been reading our blog or our website, you probably have some understanding of the importance of getting a quality medical care and recommendation as part of a long-term disability insurance application. Group insurance benefit providers do not like to pay ...
If you have suffered from post-traumatic stress disorder (PTSD), you know how difficult this illness can be. Due to the serious symptoms that come with PTSD, you might be unable to function at work. One of the most significant problems PTSD sufferers can face is the...
