Blogs
What Types of Medical Conditions Are Most Likely Lead to Long-Term Disability Claims?
While various medical conditions can lead to long-term disability, there are some medical conditions that are more common than others in causing disability. According to...
What Are Preexisting Condition Exclusions in LTD Insurance Policies?
Most employer-sponsored group long-term disability policies will contain an exclusion for any preexisting medical conditions. This means that if employees become unable to work due...
What Should I Do Following a Bicycle Accident?
Getting into a bicycle accident can be a frightening and painful experience. You may be unsure what to do first or how to ensure that...
What is a Vocational Assessment and How Does It Impact Long-Term Disability Benefits?
A vocational assessment consists of an evaluation of your education, background, and skills, the requirements and demands of your occupation and specific position, and the...
Are Forum Selection Clauses in ERISA Plan Documents Enforceable?
A forum selection clause is a provision in a contract or employee benefit plan that requires any litigation about the terms of the contract or...
2019 Changes in Bicycling and Traffic Laws
Along with the hundreds of other new laws that the California legislature enacted for 2019 are some laws that may directly affect bicyclists. Here are...
How Long Do I Have to File a Personal Injury Claim Based on a Bicycle Accident?
All personal injury claims, including those arising from bicycle accidents, are subject to a statute of limitations, which differs from one state to the next,...
One in Four Adults Will Become Disabled During Their Careers
According to a recent news article, the Social Security Administration estimates that one in four workers will become disabled at some point during their working...
How Using Social Media Could Undermine Your LTD Claim
To deny long-term disability insurance claims, insurance companies need evidence to support their denials. One common source of this evidence comes from various surveillance activities...
The Dangers of Cycling at Night
Most studies over the past several years have found that biking at night poses the greatest risk to cyclists in terms of injury or death....
New California Laws Now in Effect
California has enacted hundreds of new laws that went into effect as of the first of the year, many of which will affect thousands of...
Common Reasons for Denials in Long-Term Disability Cases
Since the terms of various long-term disability plans can differ widely, there are many different reasons why an insurance company might deny benefits to applicants....