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Updates on the latest in benefits news and practical pointers for your benefits-related issues.

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How Does Long Term Disability Differ from Social Security?

If you are unable to work due to disability and are fortunate to have long term disability insurance through your employer, you may not realize the importance of also applying for Social Security disability insurance. Or your LTD benefits may have been denied despite your ongoing receipt of SSDI benefits, prompting you to wonder how is that possible […]

Should I Mediate My Insurance Claim?

Lawsuits involving disputes over disability, life, or health insurance rarely go to trial, and most are settled, often by mediation. Mediation is a frequently-used alternative dispute resolution mechanism in both ERISA claims as well as individual health, life, and disability insurance claims […]

Ruling Shows Medicare Confusion Can Lead To Costly Results

Health insurance is a critically important benefit since illness and injury are unpredictable, and the high cost of medical care makes it unaffordable to most people absent insurance. Healthcare coverage is confounding, especially if one has health insurance through their employer and are eligible for Medicare due to the so-called Medicare as secondary payer rules […]

Can I Claim Disability Benefits if I’m Terminated?

One issue that frequently arises in the realm of disability benefits is whether an employee can continue to receive disability benefits after being terminated from his or her job. Before diving into the issue of disability benefits after termination, it is first important to understand the difference between a medical […]

Is your retirement plan governed by ERISA?

The Employee Retirement Income Security Act (ERISA) of 1974 was passed by Congress primarily to protect employee retirement benefits by establishing requirements to assure that promised benefits are delivered. One of the principal reasons that Congress was spurred to pass the ERISA law was the bankruptcy of the Studebaker car company in the 1960s. When the car maker failed, its workers learned to their surprise and disappointment that their promised pensions were not going to be paid to them […]

How to navigate the disability insurance claim maze

Mark DeBofsky was recently privileged to have been invited by Conquer Myasthenia Gravis (formerly known as the Myasthenia Gravis Foundation of Illinois) to present a talk on how to navigate the “Disability Maze” that persons diagnosed with myasthenia gravis, a neuromuscular disorder, often have to face.[…]

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