Blogs
What is the Difference Between “Own Occupation” and “Any Occupation” Coverage?
When you apply for long-term disability (LTD) benefits through your ERISA-governed LTD insurance plan, you normally must prove that your medical conditions make you unable...
Why Is It So Important to Know if My LTD Policy is an Individual or Group Policy?
Some people have access to long-term disability (LTD) insurance policies through their employers. Other people, who are perhaps self-employed or whose employers who do not...
Loss of Enjoyment of Life in Bicycle Accidents
Damages in personal injury claims, including those that arise from bicycle accidents, are not limited to economic damages, such as medical expenses. In some cases,...
What is the Difference Between Short-Term and Long-Term Disability Benefits?
Many employers offer short-term disability benefits, long-term disability benefits, or both to their employers. This coverage is designed to replace wages in part if employees...
Immediate Steps to Take When You Are Denied Long-Term Disability Benefits
When disability insurance companies deny claims for long-term disability benefits, they typically send you a letter that outlines the rights that you have and the...
Assembly Bill 697 Seeks to Change California Bicycle Laws
According to a recent CBS13 news report, pending legislation in the form of Assembly Bill 697 would make significant changes to the existing traffic laws...
Should I Use the Insurance Company’s Appeal Form if I Want to Appeal a Denial of Long-Term Disability Benefits?
If your insurance company has denied your claim for long-term disability benefits, your first step to challenge that denial is to file an appeal with...
What is the Difference Between Group and Individual Long-Term Disability Policies?
Many individuals have access to long-term disability benefits through a plan offered by their employer. These are group plans, since they cover all employees of...
CA Senator Scott Wiener Introduces New Highway Safety Bill to Protect Cyclists and Pedestrians
Earlier this year, state Senator Scott Wiener introduced a new bill that would implement new bicyclist and pedestrian safety standards on the many state highways...
Can I Go Ahead and File a Lawsuit to Get Long-Term Disability Benefits Instead of Appealing?
When you have a long-term disability benefits plan through your employer, it usually is subject to the terms of the Employee Retirement Income Security Act...
What Does ERISA Have to Do With My Long-Term Disability Claim?
ERISA, or the Employee Retirement Income Security Act, is a federal law that governs most employee-sponsored long-term disability benefits policies and claims. There are a...
What is the Difference Between a Restriction and a Limitation for the Purposes of Long-Term Disability Benefits?
Both restrictions and limitations generally refer to the impact of a medical condition or diagnosis on your ability to perform certain tasks or activities that...