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...
Receiving a denial for a long-term disability claim can be disheartening. This may be particularly true for those who suffer from an “invisible” autoimmune condition that can be difficult to prove and even harder to live with. Autoimmune conditions often result in...
A life insurance policy can be a crucial form of financial support for those who suddenly lose a loved one. It may be the only way they have to stay in the same home or pay debts owed by the deceased individual, such as student loans. People's life insurance policies...
There are cases in which you may apply for benefits under an ERISA plan, but you are denied. You should get a letter in the mail informing you of this denial. But what should that letter contain? It’s more than just an indicator that your claim is being denied. Below...
Insurance companies that provide disability coverage can lose a lot of money when approving claims. If someone cannot work due to a short-term or long-term disability, the benefits they require could add up to thousands of dollars. Therefore, insurance companies are...
If your employer-based disability benefits have been denied, the reason given may be that there just isn’t enough medical evidence to support your claim of being disabled in your file. This does not mean that you are not disabled, of course. It just means that the...
For decades now, the Employee Retirement Income Security Act of 1974 (ERISA) has provided key protections for employees who receive certain types of workplace benefits. By regulating retirement, as well as certain kinds of specialty insurance coverage, ERISA protects...
