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...
Accidental Death and Disability (AD&D) insurance provides beneficiaries with a financial safety net in the tragic event of a policyholder's accidental death or loss of a specific body part. If your employer provided these benefits, the Federal Employee Retirement...
Someone who has filed a claim for long-term disability insurance likely expects a simple claims process. However, sometimes people who cannot work because of medical issues have a hard time getting the benefits they need. Even when someone has disability coverage...
Long-term disability (LTD) insurance is a crucial safety net for individuals who suffer from debilitating conditions that prevent them from working for extended periods of time. LTD insurance typically provides a portion of an individual’s income when they can’t work...
If your claim for long term disability benefits was denied because the insurance company said your disability was caused by a pre-existing condition, the ERISA Law Center may be able to help you. Virtually all long term disability insurance policies and plans...
If you put in a claim for long-term disability (LTD), it can be devastating to see it denied. Even though you may be able to appeal and eventually get the benefits you need, the wait could put you in a very difficult financial situation. On top of that, the stress and...
When you are facing health challenges and need long-term disability benefits, the last thing you want is to find out that there is not enough medical evidence to support your claim. When this happens, it is important to remain calm and remember that there are things...
Maybe your insurer doesn’t think you’ve been compliant enough with treatment – or maybe they have doubts about the severity of your condition. Whatever the case, they’ve scheduled you for an independent medical examination (IME) with a doctor you’ve never met. Since a...
