Blogs
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...
Respiratory Illnesses and Long-Term Disability Benefits
Although the term “respiratory illnesses” might make you think of the common cold, there are various respiratory illnesses that can cause permanent damage to your...
When Does ERISA NOT Apply to LTD Claims?
In most cases, if you have long-term disability benefits available to you through a group insurance plan sponsored by your employer, ERISA is the federal...
When Should I File for LTD Benefits?
Short-term disability policies, which individuals often rely on when they sustain an injury or develop an illness that makes them unable to work, can last...
Why Cycling Fatalities Are Rising
Since 2010, bicyclist fatalities have continued to increase, despite a correlating decrease in motor vehicle fatalities. Even as COVID-19 drastically reduced motor vehicle traffic in...