Unfortunately, many individuals who apply for disability under the federal Employee Retirement Income Security Act (ERISA) are denied the benefits they need. This is often a result of applications being evaluated by claims administrators who work for insurance...
ERISA Appeals ERISA Attorneys With various insurance companies, differing circuits and a plethora of translations of ERISA laws and their meanings, filing for long-term disability benefits can be overwhelming even for the most well-read and prepared individuals....
Erisa Lawyers Preparing to request long-term disability can be difficult when you have a degenerative condition. Most conditions start out slowly and worsen over time. This means that you may have been diagnosed, but you will not begin to see issues in your work...
Documenting a physical disability typically means your insurer can see what is wrong with you, but what about when it comes to mental health disabilities? These can be much harder to prove, and therefore, it is more difficult to receive the benefits you need. Many...
A great amount of stigma surrounds those with mental illness, but we at The understand that there shouldn't be. Mental illness can affect the way you perform daily tasks and can make working next to impossible. Unfortunately, long-term...
HOW DO OFFSETS AFFECT YOUR LONG-TERM DISABILITY BENEFITS? Built in as provisions to your policy, offsets allow your insurer to reduce the amount of benefits they pay out, based on the other resources that pay you monthly payments for your disability. For example, if...
Going through discovery in a disability claim can give you a big advantage. It is your chance to bring out evidence in your favor which show why your claim should not be denied. Insurance companies know how detrimental this can be towards their case so it's important...
To be totally honest, most people don't even belief that they'll ever need to purchase disability insurance; let alone think that they'll ever be ill or injured badly enough to use it. But the hard fact is, we just never know. And that basically is what insurance, of...
Many clients of ERISA attorneys make the mistake of believing that, just because they are now receiving long-term disability benefits, they no longer require the services of an lawyer. Unfortunately, because insurance adjustors are on the constant lookout to end or...
Claiming disability is, more often than not, much more complicated than it actually should be. We often fall into the trap of believing that if we are, in fact, injured or ill enough as to be unable to work, then receiving disability benefits should be a given. These...