Working in the Louisiana oil fields demands physical strength, endurance and precision. When a severe illness or injury keeps you off the rig, your financial stability can become uncertain fast. Getting familiar with how long-term disability claims work can help you...
A History Of Success In ERISA Claims Matters
Attorney Reagan Toledano
ERISA Long-Term Disability Benefits
Why does SSDI offset your long-term disability payments?
Receiving your Social Security Disability Insurance (SSDI) award letter can be rewarding. However, that relief tends to be short-lived when you notice your private long-term disability (LTD) check suddenly shrinks. If you are feeling blindsided, you are not alone....
Does cancer qualify for long-term disability claims under ERISA?
A cancer diagnosis changes everything. Between treatments and doctor visits, you may wonder how you will support yourself if you cannot work. The good news is that long-term disability benefits may be available to you through your employer's plan. That said,...
Did your insurer misclassify your job in an LTD claim?
If an insurance company misclassifies your job in a Louisiana long-term disability claim, it can reduce your benefits without your noticing. When the company downplays the work you actually perform, your application may appear weaker than it really is. This issue can...
Preparing for an ERISA long-term disability claim appeal
Certain employee benefits are subject to federal regulations. Obviously, pensions and retirement benefits are subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). Other benefits are also subject to the provisions of ERISA. If...
What you need to know about your long-term disability insurance
You work hard—on rigs, in hospitals, or on factory floors, but if a serious health issue keeps you from working, how will you cover your expenses? Long-term disability insurance replaces part of your income when you can’t work for months or longer. Understanding how...
How multiple sclerosis relates to long-term ERISA disability
Multiple sclerosis (MS) is a chronic neurological disorder that disrupts communication between the brain and the body. This autoimmune disease causes a range of devastating symptoms that can significantly impact an individual’s ability to work. While some people with...
How to cope with the denial of your short-term disability claim
Disability benefits protect you from the financial hardship that could result from an illness or injury. Most people know about long-term disability insurance as an option to protect them from a protracted absence from work due to health reasons or an injury. Quite a...
Navigating through short-term and long-term disability claims
Many individuals with employer-sponsored ERISA plans have questions when facing the possibility of filing a disability claim. What is the difference between short-term disability and long-term disability insurance? How long do benefits last for? And, most importantly,...