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...
It's understandable to think that insurance companies sending people to follow you while considering your ERISA claim only happens on TV dramas. In fact, it is surprisingly common. What kind of surveillance can they do? With today’s technology, surveilling people is...
It can be both stressful and disheartening if your employer’s insurance company denies your claim for long-term disability benefits. Through this time of high anxiety, you must remember that you have the right to appeal this denial. However, before beginning the...
Many people suffer from a disability or illness that impairs their ability to work. Some of them can take advantage of long-term disability benefits offered by their employer. However, just because a company provides these benefits doesn’t mean the insurance company...
Michael Cloud played in the NFL from 1999 to 2006, including one with the 2004 Super Bowl champion New England Patriots. While that win is undoubtedly a career highlight, Cloud adds another life-changing win to his resume. This one involves a federal judge in Texas...
The Centers for Disease Control and Prevention says one out of every four Americans – 82 million - lives with a disability that impacts their life activities. The agency also says one in five currently live with a mental illness, and half of the entire population will...
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...
If you suffer from fibromyalgia, you know: This is a serious, debilitating condition. Widespread pain, loss of sleep, fatigue and serious emotional stress are all common symptoms and side-effects of fibromyalgia, as noted by the CDC. Although fibromyalgia is serious,...
