Whether you have purchased a long-term disability policy directly from an insurance company or you have coverage under an ERISA-governed […]
When Can I Present New Medical Evidence in Appealing a Denial of Long-Term Disability Benefits?
When you file a claim for long-term disability benefits from your employer-sponsored benefits plan, it may take some time before […]
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Common Bike Accident Injuries in California
Whether caused by an inattentive or distracted driver, poor road conditions, or a driver who runs a stoplight, the injuries […]
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What is the Exhaustion of Administrative Remedies for the Purposes of ERISA?
Most long-term disability plans governed by the Employee Retirement Income Security Act of 1974 (ERISA) provide that claimants must exhaust […]
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Will I Automatically Get My Long-Term Disability Benefits if I Was Awarded Social Security Disability Benefits?
Many ERISA-governed long-term disability benefits plans require that individuals who file a claim for disability benefits also seek benefits through […]
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What Are Independent Medical Examinations (IMEs)?
When individuals apply for long-term disability benefits from their employer-sponsored and ERISA-governed disability plans, insurers must make a determination as […]
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What is the Bicyclist’s Duty of Care While on the Roadway?
A person riding a bicycle on California roadways has the same responsibility to exercise due care for the safety of […]
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Disability Definition in Long-Term Disability Insurance Policies
One provision in long-term disability insurance policies that often takes individuals by surprise is the fact that the policy’s definition […]
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How Do I Know if ERISA Applies to My Long-Term Disability Plan?
Most private companies that offer long-term disability benefits to their employees have plans governed by the Employee Retirement Income Security […]
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What Are the California Laws that Govern Where I Can Ride My Bicycle?
With the amount of vehicular traffic rising and the number of parking spots quickly disappearing in San Diego, more and […]
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