Long-Term Disability
ERISA Rights of Applicants Who Have Been Denied Long-Term Disability Benefits
When workers apply for long-term disability benefits under their employer-sponsored LTD plans, the Employee Retirement Income Security Act or ERISA governs the application process, as...
Does ERISA Still Apply if I Leave My Employer but Maintain the Long-Term Disability Policy?
Many long-term disability insurance policies and most of those covered by ERISA are available only through your place of employment. As a result, when you...
Are There Time Limits on My Ability to Apply for Long-Term Disability Benefits?
All long-term disability insurance policies contain strict time limits on your ability to file for benefits under those policies. For ERISA-governed long-term disability policies, which...
How Keeping Medical Logs Can Help Prove Your Long-Term Disability Claims
One of the most effective ways to proactively plan for potential long-term disability claims is to keep personal medical logs of your medical treatment and...
Defining “Regular” or “Own Occupation” for the Purposes of ERISA Long-Term Disability Claims
Long-term disability insurance policies are designed to provide you with benefits to replace a specific percentage of your income when you are unable to work....
What Happens if a Plan Administrator Fails to Make a Decision on My Application for Benefits on Time?
The Employee Retirement Security Act of 1974 governs various aspects of the benefits claims process in most employer-sponsored long-term disability insurance policies. Part of these...
Different Options for Obtaining Long-Term Disability Benefits
Long-term disability insurance policies are meant to replace your income if you become disabled and unable to work. While definitions of disability vary from one...
What is “Reasonable Continuity” for the Purposes of Defining Disability?
Many long-term disability insurance policies define disability as the inability of claimants to perform with “reasonable continuity” the essential tasks and functions of their occupations...
Is Discovery Available in a Federal Court Suit on the Denial of Long-Term Disability Benefits?
ERISA governs most long-term disability insurance policies that you purchase or receive through your employer. As a result, administrative and court appeals of the denial...
What is the Difference Between Social Security Disability and Long-Term Disability Benefits?
Both Social Security Disability Insurance (SSDI) and long-term disability benefits provide income when individuals become disabled and unable to work. However, there are critical differences...
What Are Common Long-Term Disability Policy Exclusions?
Long-term disability insurance provides individuals with benefits when they are unable to work for a lengthy amount of time due to injury or illness. However,...
Is It Worth Paying for Long-Term Disability Insurance?
According to an NPR article, while about 65% of people surveyed believe that people should have long-term disability insurance, only about 48% of those people...