The intention of the Employee Retirement Income Security Act (ERISA) is to protect employees who work for private companies and receive benefits from their employers versus their own personal insurance company. Prior to this act, each state had their own regulations...
Many people don't realize the types of disabilities most likely to affect them. While serious injuries from car wrecks or home accidents jump to mind, those generally represent a much smaller portion of causes for long-term disability claims than you might guess. The...
Long-term disability insurance is supposed to be your safety net. If something happens and you can no longer work, you expect your employer-offered plan to be there. Because of this, having an insurance company deny or terminate your disability benefits can be...
Many people who don't have rheumatoid arthritis struggle to understand the impact it can have on a person's life. It's not just aching joints - an autoimmune disease, it can lead to joint deformity, weight loss, difficulty moving and fatigue. All of these symptoms can...
If you have or think you may have, or have been diagnosed with, sleep apnea, you probably know it's often not often taken seriously. If another condition caused headaches in the morning, insomnia at night, difficulty staying awake during the day, an inability to...
If you have fibromyalgia, you know how painful and crippling it can be to suffer from constant cramps, aches, numbness and fatigue. And you likely know how hard it can be to convince others your invisible pains are real. Fortunately, a recent breakthrough from the...
May is Mental Health Awareness Month, and the purpose of this month is to increase the visibility of mental health issues. It also has a goal of reducing the stigma that often surrounds mental illnesses. For a long time, that stigma influenced employers as well....
Many employers offer benefit plans for those who work for them. As you dedicate your time and talents to your workplace, you probably hope to gain something in return. Disability benefits may be a consideration in considering an offer of employment. However, if you...
If you recently applied for ERISA disability insurance and the insurance company denied your claim, you may be frustrated. Perhaps you are wondering what to do next. The first thing you should know is that you have a limited amount of time to appeal their decision....
If you have developed an injury or illness that will keep you out of work, you may be wondering whether you qualify for long term or short term disability. You may also wonder if the Employee Retirement Income Security Act (ERISA) applies to your long term disability...
