Blogs
Different Definitions of Disability in Long-Term Disability Insurance Policies
The term “disability,” as used in a long-term disability insurance policy, refers to the criteria that the insurance company uses to determine whether you are...
Arkansas Second State in Nation to Pass “Idaho Stop” Law
The Idaho Stop is a bicycle rule or law named for the state that first legalized it in 1982. The law allows bicyclists to treat...
The Importance of Long-Term Disability Coverage
Long-term disability coverage pays a portion of your income if you are unable to work for an extended period due to illness or injury. Typically,...
Changes in the Taxability of Attorney’s Fees
Recent changes in the tax code have increased the taxability of some lawsuit settlements. As a result, recipients could end up paying taxes on the...
Southern CA Focuses on Bike Lanes Instead of New Roads
A recent trend in Southern California transportation development consists of building protected bike lanes, or cycle tracks, instead of building more roads. Permanent barriers separate...
When Do I Need a Special Needs Trust?
A special needs or supplemental needs trust (SNT) is a tool that allows disabled persons to save up money for future care while not jeopardizing...
Bicycle Accidents and Comparative Negligence
Like drivers of motor vehicles, bicyclists are subject to certain traffic laws and regulations. When cyclists are injured in motor vehicle accidents, they may be...
Biking Under the Influence
Although most people recognize the illegality of driving while under the influence of drugs or alcohol, not many realize that it is also unlawful to...
What Must an Insurance Company’s LTD Denial Letter Contain?
While ERISA always has required denial notices for long-term disability benefits claims to contain certain elements, the Department of Labor (DOL) recently revised some of...
Bike Light Laws in California
When you ride a bike at night on a highway, sidewalk, or bikeway, California Vehicle Code § 21201(d) requires that your bicycle be equipped with...
Documenting Mental Health Disabilities
While you can apply for long-term disability (LTD) benefits on the basis of either physical or mental conditions that impair your ability to work, you...
Chronic Fatigue Syndrome and Long-Term Disability Claims
Chronic fatigue syndrome (CFS) causes individuals to suffer from severe fatigue of an unknown origin. No amount of rest or relaxation can relieve the constant...