It is hard to imagine someone you love passing away unexpectedly. This is especially hard if the fatality occurred because of an accidental death and dismemberment. Some insurance policies may help cover you in the case that a spouse or loved one passes away in this...
As someone who is dealing with a disability that may not last forever, you are in a frustrating position. You want to do what you can to get through this, and you don’t want to take advantage of anyone. You only want the benefits that should be available to you. You...
Ehlers-Danlos Syndrome (EDS) is one of those strange disorders that you’ve probably never heard of -- until you’re diagnosed with it. EDS is actually a group of genetic disorders that involve your body’s connective tissue. Since your connective tissue supports the...
ERISA. It’s a term you have probably seen before, likely when reading about certain employer-provided benefits such as long-term disability insurance. For most people, ERISA doesn’t seem like something they need to think about. In reality, ERISA impacts the life of...
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...
Do you sometimes feel like someone might be watching you? If you’ve filed a claim for long-term disability benefits, your feelings might be right on the nose. Covert surveillance tactics by insurers have become pretty standard operating procedure as they seek to deny...
Living with a disability, whether you’ve had it for a long time or developed it recently, is difficult. It changes what you can and cannot do, and it may make it difficult for you to work. You may want to apply for short- or long-term disability benefits so that you...
When a disability begins to impact your ability to work, it might be time to consider filing an ERISA disability claim. While you certainly have the right to file such a claim when you are covered by ERISA, it is vital to have your medical provider's support when you...
There are several common reasons that long-term disability applications get denied. Missing medical records and incomplete forms, for example, are big causes of denials. However, one of the most devastating reasons your disability can be denied is because your doctor...
For most people, the ability to see helps us navigate nearly all aspects of our daily lives. Good vision enables us to drive cars, look after our families and perform well in the workplace. However, a newly developed visual impairment does often play a role in a...