Basic disability monthly benefits are the same under most individual or group long-term disability insurance plans—that is, you should receive income-replacement payments if you are sick or injured and rendered either totally or partially disabled. Each individual or group long-term disability insurer will draft specific contractual language that will govern your claim. While it is great to […]

We previously discussed the requirements and timeline for litigating an individual long-term disability (LTD) insurance or group ERISA claim. We know the basic prerequisites for filing, why you must not file too soon and how a disability lawyer can really help. Now we can review the statute of limitations on ERISA claims and the consequences […]

Congress passed the Employee Retirement Income Security Act (ERISA) in 1974 to help regulate retirement plans that employers offer to their workers. It was a well-intentioned law that was expanded to cover health, disability, and other insurance plans. ERISA now sets minimum standards that your retirement and other insurance plans must meet to provide workers […]

Collecting long-term disability insurance benefits presents challenges you may not have expected. Many assume that their disability benefits provider will pay out when you have a documented disease. Unfortunately, many also find out that the insurance company holding their individual or group disability policy does not want to pay out benefits when the policyholder needs […]

The world of collegiate athletics was drastically affected by the Covid-19 pandemic, seeing all levels of operation slowed to a crawl. But when the NCAA should have stepped forward and been of aid to collegiate athletes during this time of uncertainty, they failed – most notably in California – and their pursuit of equity has […]

Collecting long-term disability insurance benefits presents challenges you may not have expected. Many assume that their disability benefits provider will pay out when you have a documented disease. Unfortunately, many also find out that the insurance company holding their individual or group disability policy does not want to pay out benefits when the policyholder needs […]

There have been 29.3 million cases of COVID-19 in the United States since the coronavirus pandemic was first reported in early 2020, according to the New York Times. In addition to the staggering fatality rate in America, this post-viral syndrome has also created a group of legitimately sick workers known as “long haulers.” Long haulers […]

For individuals that suffer from insomnia, the disease creeps into every aspect of their lives. When you cannot sleep or do not sleep well, you are more irritable and less productive. When it is hard to get sleep, stay asleep and then wake up unrefreshed from a night of tossing and turning, problems ensue. Focus, […]

When you suffer from a disability that requires you to take time off work or reduce your work hours, you worry. You may feel unsure of your health, and you may also worry about your ability to make a living and pay your regular bills. That’s why you have disability insurance coverage—or so you think. […]