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How Denial Of Autism Care Coverage Can Breach ERISA Duty

According to statistics compiled by the Centers for Disease Control and Prevention, about one in 54 children has been diagnosed with autism spectrum disorder, which is considered a developmental disability associated with social, communication and behavioral issues. Although there is no known cure for autism, children with autism may be helped with behavioral treatment such as applied behavioral analysis, or ABA, and early intensive behavioral intervention, or IBT, a subtype of ABA treatment. […]

How Long Does it Take to Get Approved for Long-Term Disability Benefits?

The timeline from application to a decision on a long-term disability claim is generally set by the terms of the plan itself. But disability policies that are governed by the Employee Retirement Income Security Act of 1974 (ERISA) must adhere to the Department of Labor’s ERISA claims regulations, which include timelines for issuing a decision […]

What is accidental death insurance?

Accidental death insurance, also known as accidental death & dismemberment (AD&D) insurance, is a type of insurance that supplements basic life insurance coverage. AD&D insurance pays benefits in addition to life insurance if the insured dies as a result of an accident or suffers a catastrophic injury that results in limb amputation or loss of […]

How to file a winning ERISA claim

What is ERISA? ERISA is an acronym for the Employee Retirement Income Security Act, a law passed by Congress in 1974 aimed at protecting the rights of employees who participate in their employers’ benefit plans and their dependents. ERISA applies to a host of employee benefits – pensions, 401k and 403b plans, disability, health, and […]

How long does disability retirement last?

If you suffer a disabling injury or illness and are a government employee or participate in a defined benefit pension plan, such as through a union, you may be eligible for a disability retirement pension, as distinct from or in conjunction with disability insurance. Disability pensions provide monthly payments to workers who are not yet […]

Why do I need long term disability insurance?

It’s estimated that one in four people entering the workforce today will experience a disability lasting a year or more before they reach retirement age. Many of those impacted are eligible for Social Security disability benefits, but Social Security disability insurance has many limitations. First, it typically provides only 50% income […]

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