Blogs
What to Look for When Purchasing a Bicycle Helmet
All bicycle helmets sold in the U.S. must meet standards set by the U.S. Consumer Products Safety Commission (CPSC). However, there are still certain types...
Do I Need to Read the Plan Document or the Summary Plan Description? What is the Difference?
When you receive coverage through a long-term disability benefits plan governed by ERISA, the plan administrator is required to provide you with a copy of...
Can I Get Long-Term Disability Benefits if I Receive Severance Pay From My Employer?
An employer is not required to provide severance benefits under the Fair Labor Standards Act, but many employers do offer severance packages to their employees...
Bicycle Equipment Safety and You
Bicycle accidents continue to be a source of serious and even fatal injuries across the state of California and in other states across the nation....
Surveillance Techniques Increasingly Used by Disability Insurers
A recent Bloomberg BNA article detailed how disability insurers are increasingly turning to social media and other surveillance methods to gather evidence showing that disability...
Should I Hire a Long-Term Disability Lawyer Now . . . or Later?
When you need to make a claim for long-term disability benefits through your employer-sponsored long-term disability plan, you may assume that you will be able...
How Does the California Vehicle Code Apply to Bicycle Riders?
The California Vehicle Code doesn’t only include laws for drivers; it includes laws for bike riders, as well. In fact, Cal. Veh. Code § 21200...
How Do Insurers Calculate Long-Term Disability Payments?
While long-term disability insurance policies may vary somewhat in their terms, long-term disability benefits available through an employer usually replace about 60% of your pre-disability...
What is a Functional Capacity Evaluation (FCE)?
A functional capacity evaluation (FCE) is a set of tests that measure an individual’s physical ability to function in different areas. Disability claims administrators often...
What are Plan Administrators and What Do They Do?
Under 29 CFR § 2510.3-16, a plan administrator is a person designated by the terms of the instrument under which a benefits plan is operated....
Common Causes of Bicycle Accidents
Both environmental, financial, and health benefits have contributed to the surge in the popularity of bike riding, whether for commuting or recreational purposes. This increase...
What is a Mental Limitation in a Long-Term Disability Plan?
Long-term disability claims based on mental illness are some of the most common types of claims. Nonetheless, it is quite common for long-term disability insurance...