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 […]
Idiopathic hypersomnia (IH) is a chronic neurological sleep disorders characterized by excessive daytime sleepiness, unrefreshing sleep, and cognitive difficulties. While it is often misunderstood and not always recognized as a disabling condition, its severe symptoms can significantly impair a person’s ability to work and perform daily activities. […]
When filing a disability insurance claim, many people focus on physical limitations such as difficulty lifting, walking, or standing. But other impairments, like cognitive, emotional, or sensory challenges, can also prevent someone from working. These are called non-exertional limitations. Non-exertional limitations refer to restrictions that affect a person’s ability to work in ways unrelated to […]
Courts face a challenging task when deciding disability benefit cases. That task is even harder with disability benefit cases brought under the ERISA law (Employee Retirement Income Security Act — 29 U.S.C. Sec. 1001, et seq.) where trials are rare. […]
During its most recent term, the U.S. Supreme Court overturned a 40-year-old precedent that guided courts in addressing administrative agency interpretations of the laws they regulate. In Chevron U.S.A. Inc. v. Natural Resources Defense Council Inc.,[1] the Supreme Court ruled in 1984 […]