Blogs
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
If you were cited for riding with no light on your bike, the CVC section printed on that ticket is almost certainly 21201(d). And if...
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...
What is the “Deemed Exhausted” Rule?
The U.S. Department of Labor (DOL) recently modified some of the rules that govern long-term disability claims. One of the updated procedures establishes the “deemed...
How Should I Handle an Independent Medical Exam?
When you apply for long-term disability benefits, most insurance policies provide that the insurance company can require you to undergo an independent medical exam (IME)....
Negotiating Road Hazards While Cycling in California
Bicycling, whether for transportation or recreational purposes, can be hazardous at times, especially when certain road conditions make cycling more difficult. Fortunately, there are some...
What is a Return to Work Incentive?
A return to work incentive or work incentive benefit is a common provision in many long-term disability plans. If you are in the process of...
What Are the Tax Ramifications of Receiving Long-Term Disability Benefits?
When you are pursuing a claim for long-term disability (LTD) benefits, you may not stop and consider the tax consequences of receiving those benefits. As...
What if I Am Partially at Fault for a Bicycle Accident in Which I Am Injured?
Most personal injury claims rest on a finding of negligence, which occurs when individuals act with careless or reckless disregard for the safety of others....
How Do I Calculate What My Long-Term Disability Benefits Might Be?
Most long-term disability (LTD) benefits do not fully replace the wages that you were receiving at the time that your illness or injury made you...
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...