Blogs
Can I Get Punitive Damages if My Insurance Company Denies My Claim in Bad Faith?
Only select states, including the state of California, permit insureds to file claims against their insurance companies for denying their applications for short or long-term...
What are “Self-Reported Symptoms”?
Most employer-sponsored long-term disability plans contain numerous provisions that are not beneficial to the employees who are eligible to receive the benefits. For instance, the...
Bicycle Safety: Tips for Drivers and Bicyclists
Deaths in California attributable to bicycle accident are on the rise. Between 2011 and 2016, bicyclist deaths rose 25%. As a result, both bicyclists and...
Study Shows 600 Kids Visit ER Daily From Bike Accidents
According to a study by the Center for Injury Research and Policy at Nationwide Children’s Hospital, more than 2.2 million children between the ages of...
Only Four in Ten Americans Have Disability Insurance Coverage Through Employers
The Harris Poll on behalf of OneAmerica recently conducted a poll of American workers to determine if they had disability insurance coverage through their employers....
How Do I Know if a Disability is Long-Term?
Long-term disability insurance policies differ in determining when a disability becomes a “long-term” disability as opposed to “short-term” disability. In many cases, for instance, a...
Can TriCare or the VA Put a Lien on My Personal Injury Settlement?
Under the Federal Medical Care Recovery Act (FMCRA), the federal government can recover any medical expenses that it paid for a beneficiary for the treatment...
What is the Difference Between the De Novo and Abuse of Discretion Standards of Review?
When you have exhausted your internal or administrative appeals for the denial of ERISA-governed long-term disability benefits through your insurance company, your next step for...
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...