Finding out that your employer or the insurance company they work with denied your long-term disability claim can be devastating for many people suffering from an illness or recovering from an injury that affects their ability to work. Knowing what you need to appeal...
The strength of your medical evidence can make or break your disability claim. Insurance companies and plan administrators heavily rely on medical documentation to assess the legitimacy and extent of your disability. When you receive a disability claim denial, you...
If you are facing a long-term disability claim denial in California, you know how frustrating it is to go through that. However, there is additional knowledge you should have and resources you should consider. First, let’s go over what an appeal is. Simply put, if the...
Workers in private industries benefit from the protections of the Employee Retirement Income Security Act (ERISA). This federal law sets specific standards for various aspects of health plans and pension plans. When it comes to long-term disability (LTD) benefits,...
The Employee Retirement Income Security Act of 1974 (ERISA) governs more than just employer-sponsored retirement benefits. The law also applies to other key forms of benefits provided by businesses for employees. If a worker's employment benefits package includes...
Accidental Death and Disability (AD&D) insurance provides beneficiaries with a financial safety net in the tragic event of a policyholder's accidental death or loss of a specific body part. If your employer provided these benefits, the Federal Employee Retirement...
Someone who has filed a claim for long-term disability insurance likely expects a simple claims process. However, sometimes people who cannot work because of medical issues have a hard time getting the benefits they need. Even when someone has disability coverage...
For decades now, the Employee Retirement Income Security Act of 1974 (ERISA) has provided key protections for employees who receive certain types of workplace benefits. By regulating retirement and pension benefits, as well as certain kinds of specialty insurance...
Being disabled and wrongfully denied benefits is a hard pill for many to swallow. Various reasons exist for being turned down, particularly concerning insurance claims related to ERISA. While discouraging, applicants should know that the initial ruling is not the...
Having a long-term injury or illness is devastating on many fronts. First, the physical impact may require lengthy and expensive medical treatment. Second is the financial toll it can take, especially if your condition keeps you from working. And third, the emotional...
