Blogs
What Happens if a Plan Administrator Fails to Make a Decision on My Application for Benefits on Time?
The Employee Retirement Security Act of 1974 governs various aspects of the benefits claims process in most employer-sponsored long-term disability insurance policies. Part of these...
Who is Liable in Bike Accidents?
The California Motor Vehicle Code governs and protects everyone on the roadway, not just drivers of motor vehicles. Bicyclists also are subject to various state...
Different Options for Obtaining Long-Term Disability Benefits
Long-term disability insurance policies are meant to replace your income if you become disabled and unable to work. While definitions of disability vary from one...
Can I Use My Auto Insurance for My Bicycle Accident?
Bicycle accidents are a common occurrence in the state of California, and these accidents can result in severe injuries to bicyclists. When motor vehicles are...
What is “Reasonable Continuity” for the Purposes of Defining Disability?
Many long-term disability insurance policies define disability as the inability of claimants to perform with “reasonable continuity” the essential tasks and functions of their occupations...
Is Discovery Available in a Federal Court Suit on the Denial of Long-Term Disability Benefits?
ERISA governs most long-term disability insurance policies that you purchase or receive through your employer. As a result, administrative and court appeals of the denial...
What is the Difference Between Social Security Disability and Long-Term Disability Benefits?
Both Social Security Disability Insurance (SSDI) and long-term disability benefits provide income when individuals become disabled and unable to work. However, there are critical differences...
What Are Common Long-Term Disability Policy Exclusions?
Long-term disability insurance provides individuals with benefits when they are unable to work for a lengthy amount of time due to injury or illness. However,...
How to Read an Auto Insurance Declaration Page
Most auto insurance policies are lengthy, complicated, and written in legal language that consumers may not easily understand. As a result, few people bother to...
Is It Worth Paying for Long-Term Disability Insurance?
According to an NPR article, while about 65% of people surveyed believe that people should have long-term disability insurance, only about 48% of those people...
If I Miss the Deadline for an Administrative Appeal of the Denial of Long-Term Disability Benefits, Is It Enough for Me to Be in Substantial Compliance with the Deadline?
Most employer-sponsored long-term disability plans are subject to the ERISA, or the Employee Retirement Security Act. ERISA provides for precise and stringent deadlines on both...
What is Underinsured Motorist Coverage?
Underinsured or uninsured motorist coverage is a form of motor vehicle insurance that is optional for drivers to carry. However, this insurance coverage can be...