Has your disability insurer failed to decide on your claim? Long delays can leave you without income when you need it most. ERISA sets strict deadlines to ensure claims are handled fairly. […]
Ehlers-Danlos Syndrome (EDS) is a rare but often severely disabling condition that can prevent you from performing your job duties. If you’re struggling with EDS symptoms and considering to apply for disability insurance benefits, this guide provides the essential information you need to strengthen your claim and protect your financial future. […]
Navigating a long-term disability (LTD) claim under an ERISA-governed plan can be challenging. Whether you’re preparing to file a claim, appealing a denial, or considering litigation, access to key information can make a significant difference in the outcome of your case. […]
Deciding disability benefit claims correctly can often pose a challenge for both claimants and insurers. Since disability is dependent on functional restrictions and not just on a diagnosis, determining a claimant’s level of functionality with respect to basic activities such as sitting, standing and walking can be difficult, especially when disability results from symptoms such as pain. […]
If you have disability insurance coverage through your employer, it is probably governed by the Employee Retirement Income Security Act (ERISA), a federal law that regulates employee benefit plans. […]
Athletes and entertainers often seek protection against career-ending injuries or illnesses. Similarly, high earners frequently turn to Lloyd’s of London disability insurance to supplement their existing coverage. Lloyd’s caters to high-income professionals requiring supplemental or specialty coverage. However, Lloyd’s disability coverage differs significantly from products offered by major insurers like Unum, MassMutual, and Guardian. Understanding the unique challenges […]