ERISA
Handling Your Own Long-Term Disability Appeal
Check out this vlog to learn more about Handling Your Own Long-Term Disability Appeal and how we can help.
ERISA-Required Deadlines in LTD Claims
ERISA establishes various deadlines for filing for long-term disability claims and appealing denials of long-term disability benefits. Although the COVID-19 state of emergency has suspended...
Are There Any Remedies for Denial of LTD Claims Under State Law?
Whether you can rely on state law remedies when you receive a denial of your long-term disability or LTD claims depends on whether the Employee...
What is the Function of the Plan Administrator for My LTD Policy?
The plan administrator makes decisions on whether to approve or deny your claim for LTD benefits. Some insurance companies have their own claims departments that...
What is ERISA Preemption?
The Employee Retirement Income Security Act (ERISA) is a federal law that governs employee rights under employer-provided pension and insurance plans. As a result, ERISA...
What Are Some Common Reasons for Adverse Disability Determinations?
Insurance companies typically take every opportunity to deny your claim for long-term disability benefits, but some reasons for a denial occur more frequently than others....
When Will I Start Getting LTD Benefits?
Various factors affect how quickly you will begin getting LTD benefits if you are disabled and unable to work. First, most insurance policies have elimination...
Why Do I Need an Independent Medical Exam?
In many cases, an insurance company that provides long-term disability or LTD benefits will require that you undergo an independent medical examination (IME) before approving...
What Happens When a Federal Court Remands a Long-Term Disability Claim Denial Case?
If you apply for long-term disability benefits and you receive a denial, you must appeal that denial by going through the insurance company’s administrative review...
How Do I Know if I Am Disabled for the Purposes of Getting LTD Benefits?
Every LTD insurance policy is different, so the definition of disability for the purposes of receiving LTD benefits also varies. For example, some policies will...
Can I Get Long-Term Disability and Unemployment Benefits at the Same Time?
Although individuals may apply for long-term disability benefits and unemployment benefits at the same time, it is highly unlikely that they can receive both types...
Should I Take a Lump Sum Settlement Buyout for My LTD Benefits?
When you are involved in a dispute with your insurance company over your claim for long-term disability (LTD) benefits under ERISA, the insurance company may...