When you live with a disability, preserving your income, medical care and ability to work often depends on fair treatment and proper handling of your benefits. If your employer mishandles your Employee Retirement Income Security Act (ERISA) disability claim, financial...
Disability insurance coverage is an often-overlooked benefit provided by some employers. Blue-collar professionals in physically-demanding careers and those earning competitive compensation in white-collar careers are among those who might receive disability coverage...
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...
The Employee Retirement Income Security Act (ERISA) is a federal law that establishes rules for most retirement and health benefit plans offered by private employers. It gives plan participants the right to review plan information, appeal denied claims and bring a...
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...
Most people with long-term disability benefits provided by their employers never need to use them. After all, long-term disability benefits only apply in scenarios where people become incapable of working for weeks or months. Unfortunately, people who may have seemed...
Disability insurance benefits are frequently part of comprehensive workplace benefits packages. Employers provide policies to their workers that can replace their wages if they become unable to work due to medical issues. Long-term and short-term disability coverage...
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...
Workers with comprehensive employment benefits packages may have several types of insurance provided by their employers. In addition to basic health insurance, they may also have long-term and short-term disability insurance provided by their employers. Such policies...
Employees who benefit from employer-sponsored retirement and health plans, such as disability benefits, 401(k) plans, employee stock ownership plans (ESOPs) and profit-sharing plans are protected with the use of the Employee Retirement Income Security Act (ERISA). An...