When you can’t work due to a disability, you can rely on long-term disability insurance to help supplement your lost income. But before your insurance company approves your claim, they will want evidence that you meet their qualifications. The evidence needed can be...
A History Of Success In ERISA Claims Matters
Attorney Reagan Toledano
ERISA Disability Benefits
4 more reasons a long-term disability claim might be denied
If you have long-term disability insurance, you probably assumed that making a claim would be relatively easy. If you have had your claim denied, you may have rights under the Employee Retirement Income Security Act (ERISA). An attorney familiar with ERISA appeals may...
How to choose a long-term disability lawyer
A person with a disability faces many challenges. Unfortunately, denial of long-term disability benefits is often one of them. However, the Employment Retirement Income Security Act (ERISA) is a government measure intended to help you get the benefits you need if you...
Did your insurer follow the proper claim denial process?
As a safeguard against the unknown, many individuals elect to carry employee-sponsored health care and retirement benefits. When something happens resulting in a claim, plan holders expect the insurance carrier to follow through on promised coverage. But the claimant...
Timeliness is crucial for ERISA appeals
The federal ERISA statutes govern disability income policies and mandate strict timelines for each aspect of the claim process. These regulations help ensure timely resolutions of claims. After receiving a formal claim denial, the plan holder can appeal the insurer’s...
Why hiring an attorney may help your ERISA claim
The Employee Retirement Income Security Act (ERISA) regulates private employer-sponsored health insurance plans. Employees, in private industries, across the country have ERISA-sponsored healthcare plans. In fact, about 54 percent of workers earn retirement benefits...
Should Your HSA Be Subject To ERISA?
Health savings accounts are growing in popularity. Most health savings accounts (HSA) are not subject to ERISA, the Employee Retirement Income Security Act of 1974. This federal law established protections for participants in certain health and retirement plans, such...
Church-affiliated hospitals exempt from ERISA
A recent ruling from the U.S. Supreme Court is a major victory for all church-affiliated hospitals. The justices ruled 8-0 that such organizations are exempt from the Employee Retirement Income Security Act (ERISA), a law which is aimed at protecting pension plan...
Look out for limitations on mental health disability benefits
No one has to tell you how difficult it can be to do your job every day when dealing with the effects of a mental illness. Unfortunately, a stigma seems to persist by people who think they need to see physical signs of an illness or disability to believe that it is...
An introduction to ERISA
If you work in the private industry and have a pension plan, you have probably heard of ERISA. Despite its importance for workers and employers, many people do not become familiar with it until a less than ideal situation forces them to learn about it. Fortunately,...