Denial or termination. Those words will have an obviously chilling effect on you if they are delivered by an insurance company in a health matter related to a long-term disability. Insurers’ attempts to undercut the lawful benefits or compensation owed claimants...
How to stay healthy when dealing with a long term disability claim
Going through the process of obtaining long term disability benefits, can be a very stressful time. If you were denied, are in a wait state after submitting an application or during an appeal it can be hard on your mental health and spirit. You can experience...
Lyme disease: securing benefits for a challenging disability
We stress an obvious point at the national ERISA Law Center concerning injury-causing catalysts. That is this: It doesn’t take something outsized to turn an individual’s life upside down and render it replete with challenges over a long term. Consider Lyme disease, an...
Ensuring your ERISA LTD application makes the grade
Today’s blog post headline might reasonably strike some readers as objectionable in the sense that it arguably implies a test of sorts and hurdle to clear for an applicant filing for ERISA long-term disability benefits. After all, an applicant is not a supplicant...
MIT Long Term Disability Plan
If your claim for long term disability benefits from the Massachusetts Institute of Technology Long Term Disability Plan has been denied or terminated, the ERISA Law Center can help you. The Massachusetts Institute of Technology Long Term Disability Plan (MIT...
Benefits of symptom documentation for your long term disability claim
The long term disability claim process can be long and complicated, especially with a medical condition that builds over time, such as carpal tunnel syndrome or arthritis. There will likely be questions from the insurer about when symptoms started and how severe they...
California Teachers Association (“CTA”) Disability Plan Through Standard
The CTA Group Long term disability Plan with Standard is difficult to read or understand. Getting benefits from Standard under the CTA group long term disability plan can also be very difficult and quite frustrating. Standard Commonly Denies CTA Insured...
ERISA LTD coverage: an invaluable safety net
A recent Forbes article candidly addresses the ongoing health pandemic and its unprecedented impact on individuals and families across the United States and globally. It duly notes that “if this year has taught us anything, it is that we are more vulnerable than we...
Community Medical Centers’ Long Term Disability Benefits Through Lincoln, fka, Liberty
CMC Employees and Group Disability Benefit Requirements CMC is insured by Lincoln Life Assurance Company of Boston, formerly known as Liberty Life Assurance Company of Boston. CMC’s long term disability policy with Lincoln requires a 365-day elimination period prior...
Is LTD claim denial a common occurrence?
Insurance companies can be a mixed blessing. In fact, legions of claimants across the country view them as akin to a double-edged sword. Here’s why: Sometimes they perform, and sometimes they intentionally respond to claims designed to delay or deny the claim...

