Mental health advocates decry a decision by the 9th Circuit Court of Appeals impacting how insurers can process behavioral health claims. The latest decision in Wit v. United Behavioral Health involves mental health claims, but many fear the implications could also...
A claim on accidental death & dismemberment (AD&D) insurance coverage usually comes at one of the most desperate times in the claimant's life. Either your spouse or other loved one has died in a terrible accident, or you have suffered an accidental...
The Employment Retirement Security Act of 1974 (ERISA) was originally introduced to protect employee retirement. 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 denial of long-term disability benefits can be a convoluted nightmare. But there is one part of this nightmare that you should approach with the mental clarity necessary to obtain your benefits: The appeal letter. Writing an effective letter of appeal is like...
The news stunned you. Your employer’s insurance company denied your application for long-term disability benefits. You counted on those payments to help you through this medical condition, allowing you to pay your medical bills and support your family. Now, you must...
If your employer provided disability insurance carrier has denied your claim, the results could be disastrous. Assuming you have a valid claim, and you truly are suffering from a long-term disability, you need those benefits. They might be the only means you have of...
If you are like most people applying for benefits from an employer-provided insurance carrier, you might have experienced a denial of your claim. These claims are quite significant for the policyholders, making the frequency of denials quite alarming. You obtained...
Disability benefits are often the only source of income someone with serious injuries or illnesses can collect to pay their bills. Although nearly ten million people collect these benefits, many people are still getting a denial of their employer-provided long-term...
If you suffer a serious injury, or a loved one dies because of a tragic accident, you may feel overwhelmed by what happened. At some point, you realize that long ago, you or your loved one signed up for accidental death and dismemberment (AD&D) coverage at work....
We noted in a recent ERISA Law Center blog post an individual’s understandable urge to immediately take an insurer to court following a denial or termination of disability benefits. Doing so would seem to be “a natural course of action.” Yet, it would be advisable to...
