Individuals who suffer from eating disorders often run into difficulties securing coverage from their health insurers for treatment, especially for residential care. Last year, ERISA lawyer Mark DeBofsky of DeBofsky Law contacted Illinois State Representative Laura Fine and Illinois State Senator Julie Morrison with an idea to amend the Illinois Insurance Code to provide health […]
The Employee Retirement Income Security Act (ERISA) is extremely broad in its scope. It affects both retirement benefits and other employee benefits such as health insurance in the majority of workplaces in the United States. However, there are exceptions – government employees are exempted from ERISA, meaning that benefits involving federal, state and municipal employees […]
Proving an entitlement to disability benefits on account of headaches can be extremely challenging. Unlike many other disabilities that can be objectively diagnosed by MRI, x-ray, or blood tests, “objective” proof of headaches can be elusive. The proof difficulties can be even more challenging if the benefit plan requires objective medical evidence. How then can […]
Awareness of Post Traumatic Stress Disorder has increased in recent years, especially in light of news reports about veterans and warriors suffering from the condition after serving our country. What many people are not aware of is the fact the PTSD is not solely linked to military service. Any terrifying or traumatic event can serve […]
Although the approval of a claim for disability benefits does not guarantee payment of the claim forever, a recent federal case illustrates the problems insurers may experience when they attempt to terminate benefits without evidence that the claimant’s medical condition has improved. The case of Hart v. Unum Life Insurance Company of America, 2017 WL […]