A recent trend in Southern California transportation development consists of building protected bike lanes, or cycle tracks, instead of building […]
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When Do I Need a Special Needs Trust?
A special needs or supplemental needs trust (SNT) is a tool that allows disabled persons to save up money for […]
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Bicycle Accidents and Comparative Negligence
Like drivers of motor vehicles, bicyclists are subject to certain traffic laws and regulations. When cyclists are injured in motor […]
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Biking Under the Influence
Although most people recognize the illegality of driving while under the influence of drugs or alcohol, not many realize that […]
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What Must an Insurance Company’s LTD Denial Letter Contain?
While ERISA always has required denial notices for long-term disability benefits claims to contain certain elements, the Department of Labor […]
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Bike Light Laws in California
When you ride a bike at night on a highway, sidewalk, or bikeway, California Vehicle Code § 21201(d) requires that […]
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Documenting Mental Health Disabilities
While you can apply for long-term disability (LTD) benefits on the basis of either physical or mental conditions that impair […]
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Chronic Fatigue Syndrome and Long-Term Disability Claims
Chronic fatigue syndrome (CFS) causes individuals to suffer from severe fatigue of an unknown origin. No amount of rest or […]
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What is the “Deemed Exhausted” Rule?
The U.S. Department of Labor (DOL) recently modified some of the rules that govern long-term disability claims. One of the […]
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How Should I Handle an Independent Medical Exam?
When you apply for long-term disability benefits, most insurance policies provide that the insurance company can require you to undergo […]
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