You were able to get long-term disability (LTD) insurance at a very minimal cost through your employer. It’s one of those things you hope you’ll never need, but it would be good to have in case of a serious injury or illness since it reimburses you for a majority of...
ERISA Disability Benefits
Could being a woman lead to a disability claim denial?
There’s no question about it: Biases exist in health care, just like they do everywhere else. Unfortunately, biases in health care are often slanted along gender lines – and women patients are frequently the victims of medical “gaslighting.” What is medical...
What are the signs of a serious back injury?
It’s not always evident exactly how serious a back injury is. Some people can be in significant pain and then find out that they only have a pulled muscle. Others may think that the injury isn’t that serious, but actually have nerve damage or other complications. So...
Should you take a lump-sum payout on your disability?
You’ve always been the cautious type, so when you were injured, you knew that you had your long-term disability plan to fall back on. Unfortunately, your injuries turned out to be more serious than you expected – and the insurance company is offering you the...
3 rules that separate ERISA claims from other disability claims
The average working professional doesn't bother learning much about disability insurance and the laws that govern such benefits. Most professionals don't even realize how little they know about their job benefits until they find themselves in need of support because a...
How cancer can qualify you for disability
Cancer is a genetic disease that causes an uncontrollable growth and degeneration of skin cells. As a result of cancer, victims may experience a wide amount of symptoms: pain, soreness, fatigue, bladder issues, bleeding, jaundice, etc. Cancer is perhaps the leading...
Invisible disabilities spark disbelief
A person who uses a wheelchair exclusively is easily identifiable as someone who has a right to accessible parking and other accessible environments. But someone who looks hale and hearty can still have a diagnosis of an “invisible disability.” It’s these folks who...
How depression can impact your ability to work
Disability benefits can provide relief to workers who are no longer able to do their job because of a physical ailment. However, such benefits can also be helpful to people who are suffering from chronic mental health conditions. Depression is one of the more common...
Can a worker who has seizures get ERISA disability benefits?
The first time you have a seizure can be a very disorienting experience. People lose consciousness, often in the middle of an action or conversation. They may have gaps in memory, physical injuries and muscle pain. Sometimes the seizure is a one-time medical event...
2 misconceptions about ERISA disability claims
If you are covered by any of the employer benefits plans (pension, life insurance as well as health and retirement benefits), then chances are your plan is governed by the Employee Retirement Income Security Act (ERISA) regulation. Established by Congress in 1974,...