The Employee Retirement Income Security Act of 1974 (ERISA) is a crucial legal protection for modern employees. Companies often attract the best workers by offering competitive pay and a comprehensive benefits package. The most common and useful employee benefits...
ERISA Disability Benefits
How to determine if you need private disability insurance
Determining whether you need private disability insurance involves assessing your current financial situation, your employment circumstances and the adequacy of any existing coverage you may have. Disability insurance is designed to replace a portion of your income...
How fiduciary duty can affect ERISA benefit claims
The Employee Retirement Income Security Act of 1974 (ERISA) was a groundbreaking piece of legislation when federal lawmakers first enacted it. It helped protect workers who depended on resources provided by their employers for times of financial vulnerability, such as...
How long do short-term disability benefits typically last?
Many people cannot afford private short-term disability insurance on their own. Such policies are often very expensive. They may rely on coverage provided as part of a comprehensive benefit package from an employer instead. The Employee Retirement Income Security Act...
The importance of properly documenting ERISA disability claims
In the ever-evolving landscape of employee benefits and disability claims, understanding the significance of properly documenting ERISA (Employee Retirement Income Security Act) disability claims is crucial for employees and employers. While the process can seem...
3 ERISA disability claim myths
The Employee Retirement Income Security Act (ERISA) is a law that can help protect people who seek benefits through their employers. It's critical to complete all the necessary steps when submitting an ERISA claim. If not, you could miss out on necessary disability...
Can severe burns qualify for ERISA disability benefits?
Severe burn injuries are relatively rare but often quite debilitating. They could occur because of a house fire, car crash or work incident. Those who work in certain sectors, like the oil and gas industry, operate at a higher risk for major burns. Whether someone...
Can people get ERISA disability benefits for mental health issues?
Some workers seek out jobs that offer higher pay and more comprehensive benefits packages. Supplemental disability benefits are of particular value for those in highly compensated professions. Basic disability benefits available through workers' compensation or Social...
What’s a peer review on an LTD claim?
Trying to get a long-term disability (LTD) claim approved can feel like you’re trying to work your way through a maze of rules, paperwork and medical assessments – and there’s no guarantee that you’ll even be treated fairly. One of the most common causes of denials in...
Chronic pain can qualify as a disability
Do not assume that the only things that constitute a disability are the more cliché examples of someone who has mobility issues that mean they have to use a wheelchair or something of this nature. It is not always this obvious to outsiders what the situation looks...