Author: Mark Debofsky

How Do Bonuses, Commissions, and Deferred Compensation Factor into Your Group Long-Term Disability Benefit?

Every group long-term disability insurance policy provides for a benefit equal to a certain percentage of your income, typically 60%. But when it comes to defining pre-disability “income,” there is tremendous variance between disability insurance policies. That variability can dramatically affect what percentage of your take-home income would be paid in the event of a […]

8th Circ. Ruling Raises Bar For Seeking Disability Benefits

The U.S. Court of Appeals for the Eighth Circuit recently underscored the difficulty of securing Social Security disability benefits. In Post v. Bisignano, the court affirmed the denial of benefits to a claimant whose hand, arm and shoulder impairments had required multiple surgeries. The Aug. 28 ruling also reflects a shift from the Eighth Circuit’s […]

The Appeal You File Now Is the Case You Get Later

The Wall Street Times recently profiled our founding partner, Mark DeBofsky, and his four decades representing people whose disability, life, and accidental death benefits were denied. You can read it here: How Mark DeBofsky Is Helping Policyholders Pursue the Insurance Benefits They Were Promised. One line in it deserves more room than a profile can […]

The ERISA “Administrative” Record: How to Build the File That Wins Your Disability Appeal

If your long-term disability benefit claim was just denied, your first instinct is probably to gather more records and send them to the insurance company with the expectation that a little more evidence will suffice. That instinct is the right one, but the stakes are higher than most people expect. In most ERISA disability cases, […]