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 […]

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 […]

Those individuals with a somewhat checkered driving record are all too aware of how the mistakes of the past — accidents, speeding violations, DUIs — can come back to haunt them when it comes to car insurance. Indeed, the unfortunate reality is that their momentary lapse in judgment behind the wheel more often than not […]

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 […]

Yesterday, we discussed how many adult children with an elderly parent receiving some form of long-term care naturally assume that any balance for these services following their death will either pass with them or be covered by insurance in one form or another.   To that end, we also started discussing filial responsibility laws, which […]

As difficult as it can be face the reality that an elderly parent is no longer able to thrive on their own and that long-term care may become a necessity sooner than later, adult children in this situation can nevertheless draw some comfort from the fact that the quality of nursing home and assisted living […]

Long term care insurance is used by older folks, generally those 65 or older, who are uncertain about their financial future and want to make certain that if they find themselves with a health scare later in life, that their finances will not suffer. This has become a renewed and more important factor considering the […]

It comes as no surprise that many insurance policy holders have difficulties in collecting money after filing a claim. After all, an insurance company’s goal is to make money. As a result, they do not always necessarily have your best interests or your health in mind. While there are many reputable insurance companies out there, […]

In 1974, the U.S. passed the Employee Retirement Income Security Act (ERISA) in an effort to regulate retirement plans that employers offer to their workers. In addition, it provides provisions regarding other benefits, including disability insurance plans offered to employees through the company. It does not apply to privately purchased disability insurance packages outside of […]