Employers sometimes offer long-term disability insurance as part of a group benefits plan, which provides financial help if you suffer an injury or develop a disabling medical condition that prevents you from working. Suppose your employer offers a long-term...
The Employment Retirement Security Act of 1974 (ERISA) was originally introduced to protect employee pensions. But Congress later amended the law to include all worker benefits, including long-term disability plans provided by private employers. If you suffer a...
A debilitating injury or illness creates profound physical, financial and emotional stress, even when it’s covered under your employer’s long-term disability plan. And chances are good that the insurance company will deny your claim for benefits based on any...