How federal regulations will affect group disability claims in 2018

Posted September 7, 2017

The United States Department of Labor issued regulations that revise how employer-sponsored disability plans will handle claims and appeals. These regulations apply to plans that fall under the Employee Retirement Income Security Act (ERISA). These changes are scheduled to take effect January 1, 2018, meaning they will apply to disability claims or appeals filed on […]

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How Offsets Can Affect Your Disability Benefits

Posted July 7, 2017

Individuals who are eligible to receive long term disability insurance should be aware that any benefits received from other income sources could seriously reduce their monthly disability benefits. Offsets are policy provisions that permit your insurer to deduct other sources of income you are receiving or are eligible to receive due to your disability. These […]

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Understanding the Common Causes of Disability Claims (Part II)

Posted May 26, 2017

We recently explored five common causes of disability claims in honor of Disability Insurance Awareness Month. As we discussed in part one of this series, many Americans have misconceptions about what legally qualifies as a disabling sickness or illness. The Council for Disability Awareness reports that one in three women and one in four men […]

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Should your employer be doing more when it comes to disability benefits?

Posted March 1, 2017

When it comes to employer-provided benefits, there are certain areas in which employees will always take the time to conduct the necessary research to determine which option is best for them. By way of example, consider health insurance, which given its potential financial impact, will lead many employees to compare and contrast plan options, or […]

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What did I just sign up for? Understanding your group long-term disability plan – II

Posted January 30, 2017

Last week, we discussed how you should give yourself a round of applause if you decided to opt into group long-term disability coverage through your employer during this year’s annual enrollment period. We also discussed how many you might not notice anything dramatically different after taking this important step, and may even have questions about […]

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What did I just sign up for? Understanding your group long-term disability plan

Posted January 27, 2017

Given that we’re only a few weeks into 2017, chances are good that you’re still getting used to some of the adjustments you made to your employee benefits during annual enrollment. For example, it could be that your paycheck is now smaller owing to larger retirement contributions or that you’re back to having to pay […]

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Posted January 23, 2017

Last week, our blog discussed how the Department of Labor, the agency tasked with enforcing the Employee Retirement Income Security Act of 1974, recently published a final rule that will introduce new provisions designed to enhance the procedural protections and consumer safeguards offered under Section 503 of this landmark law. To recap, Section 503 of […]

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New rule gives workers seeking benefits under ERISA-covered disability plans greater protection

Posted January 20, 2017

Private-sector employees who submit claims for benefits under their workplace disability insurance plan can derive much-needed comfort from the fact that they are covered by the Employee Retirement Income Security Act of 1974 — or ERISA — the groundbreaking federal law that essentially safeguards disability benefits and establishes standards for plan administrators. By way of […]

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Filing A Disability Insurance Claim? Here Are The Dos And Dont’s

Posted January 18, 2017

The process of filing a long-term disability insurance claim can be tricky. While every claim provides its own unique challenges, many of these issues arise when claimants make seemingly small mistakes during the claim filing process. Here is a list of dos and don’ts that may help you bulletproof your long-term disability insurance claim. When […]

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Long-Term Disability Claims Checklist

Posted January 12, 2017

You’ve paid your long-term disability insurance premiums and you need your policy benefits to keep you and your family afloat now that your disability is keeping you from working. We have some bad news and some good news for you. The Bad News There’s no way around it: long-term disability claims are complicated and the […]

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