Fresno California ERISA Blog
Benefits of symptom documentation for your long term disability claim
The long term disability claim process can be long and complicated, especially with a medical condition that builds over time, such as carpal tunnel syndrome or arthritis. There will likely be questions from the insurer about when symptoms started and how severe they...
California Teachers Association (“CTA”) Disability Plan Through Standard
The CTA Group Long term disability Plan with Standard is difficult to read or understand. Getting benefits from Standard under the CTA group long term disability plan can also be very difficult and quite frustrating. Standard Commonly Denies CTA Insured...
ERISA LTD coverage: an invaluable safety net
A recent Forbes article candidly addresses the ongoing health pandemic and its unprecedented impact on individuals and families across the United States and globally. It duly notes that “if this year has taught us anything, it is that we are more vulnerable than we...
Community Medical Centers’ Long Term Disability Benefits Through Lincoln, fka, Liberty
CMC Employees and Group Disability Benefit Requirements CMC is insured by Lincoln Life Assurance Company of Boston, formerly known as Liberty Life Assurance Company of Boston. CMC’s long term disability policy with Lincoln requires a 365-day elimination period prior...
Is LTD claim denial a common occurrence?
Insurance companies can be a mixed blessing. In fact, legions of claimants across the country view them as akin to a double-edged sword. Here’s why: Sometimes they perform, and sometimes they intentionally respond to claims designed to delay or deny the claim...
Some disability-tied considerations relevant to the COVID-19 pandemic
A recent public radio piece conveys this flatly astounding statistic: Reportedly, about 25 percent of all American adults deal with some form of disability in their daily lives. A bit of extrapolation might help put that figure into immediately meaningful perspective....
More than loud snoring: spotlighting a potentially deadly disorder
Sleep apnea is a medical condition that an employer or insurance provider often seeks to downplay. There are even some naysayers who regard sleep apnea symptoms as being simply irritating rather than debilitating. The truth conveys something else altogether. What is...
Own-occupation vs. all-occupation: Why it’s important
Long-term disability insurance is a lifeline everyone hopes they never have to claim. The reality is, many of us will need the safety net. That’s because about one in every four of today’s 20-year-olds are expected to become disabled before reaching retirement age. We...
Diagnosing and managing peripheral neuropathy
Numbness. Burning. Tingling. A loss of sensation. Acute skin sensitivity. Many people experiencing those and additional symptoms know that they are experiencing a type of material body disorder. Despite that knowledge, though, they often lack the specific information...
Generalized anxiety disorder: Grounds for long-term disability?
Most people experience anxiety at some point during their lives. Stressors like divorce, financial strain or even an important work presentation can all trigger temporary anxiety. When it becomes a chronic condition, however, it can have a big impact on your...
