Michael Cloud played in the NFL from 1999 to 2006, including one with the 2004 Super Bowl champion New England Patriots. While that win is undoubtedly a career highlight, Cloud adds another life-changing win to his resume. This one involves a federal judge in Texas...
Mental health disorders and long-term disability coverage
The Centers for Disease Control and Prevention says one out of every four Americans – 82 million - lives with a disability that impacts their life activities. The agency also says one in five currently live with a mental illness, and half of the entire population will...
5 mistakes that jeopardize ERISA disability claims
Long-term illnesses and injuries create tremendous physical and mental anguish for millions of American workers. Financial harm can also result when a person cannot work due to a health condition beyond their control. Many rely on long-term disability to relieve some...
Frequently asked questions about ERISA disability claims
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...