Short-term and long-term disability policies exist for a reason. They’re supposed to provide workers with the means to retain their financial security after an injury or illness leaves them unable to work. Unfortunately, insurers are better at selling those policies...
Prohibited transactions under the Employee Retirement Income Security Act (ERISA) broadly refer to transactions with potential conflicts of interest. Understanding what the prohibited transactions are is essential. Types of prohibited transactions There are two...
Some individuals who are applying for disability benefits are dealing with chronic pain. This could be because of a distinct medical condition that causes pain, which may or may not be treatable. It could also be long-term pain from a past injury, such as nerve damage...
Insurance companies that issue long-term disability policies governed by the Employee Retirement Income Security Act of 1974 (ERISA) have many responsibilities to policyholders. Insurance company employees generally need to act in the best interests of policyholders...
If you’re looking to make an ERISA disability claim, one of the first steps in the process is simply getting the diagnosis that you are disabled. With many different disability cases, this medical evidence is the crux or the cornerstone for the entire claim. It helps...
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...
If you develop a physical or mental illness/ injury that prevents you from performing your job duties, you may be eligible for disability benefits. You can receive a percentage of your income for a particular period, allowing you to recover comfortably. However, your...
One type of disability that affects the hands is ulnar nerve palsy. This is nerve damage that causes someone to involuntarily bend or curve their fingers. These hooked fingers remind people of a claw, so this disorder is sometimes referred to as “claw hand.” In some...
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...
