When employees sign up for disability benefits through their employer, they likely look at it as emergency protection that they will probably never need. Few people ever plan to collect on disability benefits. Unfortunately, life has a way of completely altering...
A cancer diagnosis is shocking for anybody, especially if their early symptoms are mild. Before you even have time to recover your emotional footing, however, you suddenly have to manage doctor visits, treatments and new medications -- all the while feeling like you...
You were smart: You invested in your employer’s long-term disability insurance option when you first started working, even though you were young and healthy at the time. You’re still young -- but not quite so healthy. You think it may be time to file for disability...
Accidental deaths happen, and when they do, families have an opportunity to file a claim. An accidental death and dismemberment claim can be helpful to those who have lost loved ones, because the insurance carrier should pay out benefits that cover medical care, lost...
Does your career require you to continue learning a lot of new information? Do you work in an industry, such as the tech industry, that is always changing and growing? This can be very exciting when things are going well, but it is clear that your ability to thrive in...
Do you ever feel like you are being watched? If you are filing an ERISA long-term disability (LTD) claim, someone may indeed be watching you. They may be following you around and filming you. Insurance companies often hire a private investigator in ERISA disability...
As an executive, you have extensive benefits that you should understand. When you are hurt on the job and need to file for ERISA disability coverage, you should be informed of your rights and the benefits that you can receive. Beyond just receiving a basic income,...
Most long-term disability (LTD) policies are governed by the Employee Retirement Income Security Act (ERISA) -- but that doesn’t mean that they’re all alike. In fact, one of the smartest things you can do before you try to file a claim is to make certain that you...
Having to deal with an ERISA disability claim can often feel like an uphill battle. While it is wholly possible that some of these claims will go through without any issues, there’s also a possibility that your claim will be denied. If this occurs, you’ll need to...
Not all medical professionals will view situations in the same manner. There is a chance that one doctor will classify a patient as completely disabled while another takes a more conservative view and thinks that the person should be able to perform at least limited...