ERISA
Can I File for Long-Term Disability Benefits Even if My Claim for Short-Term Disability Benefits is Denied?
Short-term disability benefits can be useful for employees who need to be off work due to a medical condition for a limited period. In the...
Parkinson’s Disease and Long-Term Disability Claims
Parkinson’s Disease (PD) is a progressive neurological condition that results in an increasing loss of movement and coordination. Some of the more common symptoms of...
Can I Appeal My Denial of LTD Benefits in State or Federal Court?
Most employer-provided long-term disability benefits are subject to ERISA, or the Employee Retirement Income Security Act of 1974. ERISA is a federal law that governs...
What Amount of LTD Benefits Will I Receive if My Claim is Approved?
Long-term disability or LTD benefits differ according to each policy. Generally, however, LTD benefits consist of a set percentage of your salary. That percentage usually...
The Intersection Between Social Security Disability Benefits and Long-Term Disability Benefits
When you become disabled during your working years, you may be entitled to both Social Security disability benefits and long-term disability benefits, depending on your...
How Long Will It Take Me to Get Long-Term Disability Benefits?
When you become disabled and file for long-term disability benefits, you may be wondering how long it will take you to start receiving benefits. Various...
Critical Differences Between Short-Term and Long-Term Disability
Individuals can benefit from having both short-term and long-term disability coverage, which are designed to complement one another. Short-term disability benefits typically last about three...
What is the Difference Between Objective and Subjective Medical Evidence?
Insurance companies often request “objective evidence” to support claims that an applicant is disabled and unable to work. The insurance adjusters reviewing these claims will...
Social Security Disability Offsets on my LTD plan –What if the Dates of Disability are Different?
The Social Security Administration and your long-term disability insurance company typically use different definitions of disability to determine whether you are entitled to benefits. As...
What Does Long-Term Disability Insurance Cover?
The coverage that a long-term disability insurance policy offers depends on the definition of disability that the policy contains. Generally, disability benefits become available when...
How Much Does My Treating Physician’s Opinion Matter in an LTD Claim?
You might think that your physician’s opinion about your medical opinion and your ability to work would be a crucial factor in a decision on...
Can I Get a Jury Trial When I Appeal the Denial of Long-Term Disability Insurance Benefits?
You always should determine whether your long-term disability plan is an individual long-term disability insurance policy or an employer-sponsored plan that is governed by ERISA....