ERISA
Can I Just File a Lawsuit if an Insurance Company Takes Too Long to Decide My LTD Claim?
An insurance company taking its time deciding your long-term disability claim can be frustrating, especially if you are unable to work and have no income,...
DOL, Department of Treasury, and IRS Issues Temporary Rule Changes to ERISA
In response to the COVID-19 pandemic, the U.S. Department of Labor (DOL), Department of Treasury, and the Internal Revenue Service (IRS) issued a final ruling...
Respiratory Illnesses and Long-Term Disability Benefits
Although the term “respiratory illnesses” might make you think of the common cold, there are various respiratory illnesses that can cause permanent damage to your...
When Should I File for LTD Benefits?
Short-term disability policies, which individuals often rely on when they sustain an injury or develop an illness that makes them unable to work, can last...
Remedies in an ERISA LTD Lawsuit
If you are denied long-term disability benefits, you have the right to at least one administrative appeal through your insurance company. Although it may seem...
Basic Steps to Take When Applying for LTD Benefits
Many individuals have both short-term and long-term disability benefits available to them through their employers, and others have purchased policies privately that provide them with...
Defining Your Occupation for an LTD Disability Claim
Defining your occupation can be key to your ability to be awarded long-term disability benefits. Especially if your eligibility for benefits is based on the...
Documenting Medical Conditions for Long-Term Disability Claims
Accurately and thoroughly documenting your medical conditions when you are applying for long-term disability claims is vital to the success of your claim. The most...
Am I Eligible for Attorney’s Fees if I Win My LTD Appeal?
Claimants who receive a denial of benefits under an ERISA-governed LTD plan must exhaust their administrative remedies by appealing the denial with the insurance company...
What Does a Plan Administrator Do?
The plan administrator is typically the entity or company that establishes the long-term disability benefits plan for employees under ERISA. Plan provisions may vary according...
What is the “full and fair review” that an ERISA plan administrator must provide me in the case of a denial of LTD benefits?
The Employee Retirement Income Security Act (ERISA) governs the administration of most long-term disability insurance plans. Under ERISA, if plan administrators deny a participant’s claim...
What Happens to My LTD Benefits if I Lose My Job?
Most individuals obtain long-term disability (LTD) benefits coverage through their employers, although some have coverage through individual policies that they have purchased. Under many LTD...