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...
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...
The primary focus of ERISA – the Employee Retirement Income Security Act of 1974 is regulating retirement plans of private employers. But ERISA protections affect many other employee benefits, including disability insurance plans. Workers should understand that ERISA...
Discrimination in health care impacts health outcomes. Research shows that one quarter of LGBTQ people who faced discrimination postponed or avoided receiving needed medical care for fear of further discrimination. In 2019, the Movement Advancement Project...
Insurance is supposed to provide a safety net, a helping hand when we are need. We may get coverage from our employer or with an independent policy but in either case we expect the disability insurance company to actually provide coverage when we have a claim....
If you are seeking long-term disability (LTD) benefits from an employer-provided plan, you may encounter the terms "own occupation" and "any occupation" in the course of your legal efforts. The meaning of these terms and the specific language in your plan could...
ERISA – the Employee Retirement Income Security Act of 1974 – regulates most employee group benefits. But there are exceptions. The biggest exception is that public employer plans are not subject to ERISA. So, if you are a public employee, your group benefit plan...
When you have put years of hard work in for your employer, you expect to not face problems when you need to use your long-term disability coverage. You signed up for your workplace long-term disability insurance a long time ago and have paid your share of the premium....
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....
It can be devastating to be denied disability benefits that you have received through your employer and that you desperately need. Maybe you have decided to hire an attorney and bring a claim against your insurance company for ERISA violations. ERISA suits can be more...
