Most employee group long-term disability insurance plans are governed under the Employee Retirement Income Security Act of 1974, or ERISA, a set of federal laws that protect the rights of policyholders. Among other things, ERISA gives policyholders the right to appeal an insurance company’s decision to deny a claim for LTD benefits. The law offices […]
Why Connecting Multiple Impairments is Important in an LTD Disability Benefits Claim
Many individuals who apply for Long Term Disability (LTD) benefits are unable to work due to multiple impairments. While a single impairment may not make a person disabled enough to qualify for benefits, the combined effect of connecting multiple impairments can. Individuals who file claims for multiple impairments must be able to demonstrate how each […]
How Will a Pre-Existing Condition Exclusion Impact Your LTD Insurance Claim?
Having a pre-existing medical condition could make it harder for you to get long term disability (LTD) benefits from your insurance company. There are limits to what an LTD benefits insurance plan will cover. They’re described in your insurance policy as “exclusions.” Exclusions are written into every LTD insurance policy. The purpose of these exclusions […]
Collecting Attorney Fees in an ERISA Disability Lawsuits
If you are forced to file an ERISA lawsuit against an insurance company for unfairly denying a claim for disability benefits, can you ask to be reimbursed for attorneys’ fees as part of your settlement? If an insurance company has denied your claim for disability benefits, ERISA (Employee Retirement Income Security Act of 1974), the […]
Don’t Lose Your Disability Benefits Due to Non-Compliance with a Doctor’s Orders
Insurance companies employ a variety of different ruses in their attempts to get out of paying off a claim for disability benefits. One of these is the use of allegations of non-compliance with a physician’s prescribed treatment as reason to deny paying benefits. Insurance companies can legally deny a disability claim for non-compliance. Non-compliance occurs […]
What Remedies Can You Recover From An ERISA Disability Lawsuit?
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law enacted to protect an individual from pension and insurance fraud. Its rules apply to almost all employee group short term and long term disability policies. Among other things, ERISA gives a policyholder the right to appeal an insurance company’s decision to deny […]
Private versus Group Disability Denials: What You Need To Know
People purchase disability insurance to provide supplemental income in the event that they become too ill or injured to work. There are two types of long-term disability insurance policies: group and private. Group disability insurance policies are purchased by employees as part of a “group” insurance plan provided by their employers. Private disability policies are […]
Should You Accept A Lump Sum Disability Insurance Settlement?
People buy disability insurance to provide financial assistance in the event that they become too ill or injured to work. If this happens, they file a claim with their insurance company to collect disability benefits. After a disability benefits claim is approved, the insurance companies will sometimes offer the policyholder what is known as a […]
