If an insurance company denies your disability claim, that isn’t the end of the road. Many people know you can appeal the decision in hopes of receiving a different outcome. What a lot of denied applicants don’t realize, however, is that the decisions they make during...
It is an unfortunate reality that, when filing a benefits claim, you might end up receiving a denial letter. This can be frustrating – particularly if you were counting on that coverage to come through. Any plan covered by the federal law known as ERISA will at least...
The Employee Retirement Income Security Act (ERISA) gives you rights when you are denied benefits from an employer-sponsored benefit plan. Although it applies to a variety of benefits, an extremely common benefit to be denied is long-term disability insurance....
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...
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...
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...
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...
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...
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...
When people think of disability insurance, they often think of accidents. In truth, illness and ailments are the leading causes of short and long-term disability claims. Fewer than 10 percent of disability cases are the result of an accident. Diseases, especially...