Fresno California ERISA Blog
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 problem. 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 important events in life. It doesn’t help when you’re denied the insurance payments you are owed. How much could that money really mean to a huge insurance company? The answer is in the numbers. Your...
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 get their health insurance and benefits from their employers versus their own personal insurance company. Prior to this act, each state had...
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...
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 an employer-offered plan to be there. Because of this, having an insurance company deny your disability claim can be devastating. It does not...
Filing a long-term disability claim due to rheumatoid arthritis
Many people who don’t have rheumatoid arthritis struggle to understand the impact it can have on a person’s life. It’s not just aching joints – an autoimmune disease, it can lead to joint deformity, weight loss, difficulty moving and fatigue....
Sleep apnea sometimes unacknowledged despite ERISA
If you have or think you may have sleep apnea, you probably know it’s often not taken seriously often enough. If another condition caused headaches in the morning, insomnia at night, difficulty staying awake during the day, an inability to focus, and mood...
How funding status affects ERISA liens.
In 1974 the federal government established the Employee Retirement Income Security Act (ERISA) to regulate employer-sponsored health and retirement plans. However, the ERISA may have a negative impact on a personal injury claim you make against a third party. What are...
