Blogs
What Are Some Common Reasons for Adverse Disability Determinations?
Insurance companies typically take every opportunity to deny your claim for long-term disability benefits, but some reasons for a denial occur more frequently than others....
When Will I Start Getting LTD Benefits?
Various factors affect how quickly you will begin getting LTD benefits if you are disabled and unable to work. First, most insurance policies have elimination...
Why Do I Need an Independent Medical Exam?
In many cases, an insurance company that provides long-term disability or LTD benefits will require that you undergo an independent medical examination (IME) before approving...
What Happens When a Federal Court Remands a Long-Term Disability Claim Denial Case?
If you apply for long-term disability benefits and you receive a denial, you must appeal that denial by going through the insurance company’s administrative review...
How Do I Know if I Am Disabled for the Purposes of Getting LTD Benefits?
Every LTD insurance policy is different, so the definition of disability for the purposes of receiving LTD benefits also varies. For example, some policies will...
California Bicycle Lane Laws
California Vehicle Code § 21200 et. seq. outlines traffic laws that apply to bicyclists. Although persons riding bicycles generally must obey the same traffic laws...
Can I Get Long-Term Disability and Unemployment Benefits at the Same Time?
Although individuals may apply for long-term disability benefits and unemployment benefits at the same time, it is highly unlikely that they can receive both types...
Should I Take a Lump Sum Settlement Buyout for My LTD Benefits?
When you are involved in a dispute with your insurance company over your claim for long-term disability (LTD) benefits under ERISA, the insurance company may...
What Types of Damages Are Available in a Bicycle Accident Claim?
If you are injured in a bicycle accident due to the negligence of others, you may have a claim for damages against the parties responsible...
Can I Just File a Lawsuit if an Insurance Company Takes Too Long to Decide My LTD Claim?
An insurance company taking its time deciding your long-term disability claim can be frustrating, especially if you are unable to work and have no income,...
If I Am Denied LTD Benefits, and Later Found Eligible for SSD Benefits, Will I Automatically Get LTD Benefits, Too?
When individuals suffer an injury or illness that makes them unable to work, they likely to turn to two different sources for financial support: their...
DOL, Department of Treasury, and IRS Issues Temporary Rule Changes to ERISA
In response to the COVID-19 pandemic, the U.S. Department of Labor (DOL), Department of Treasury, and the Internal Revenue Service (IRS) issued a final ruling...