A common misconception among disability claimants is that you must apply for and receive short-term disability benefits to be eligible for long-term disability benefits. That seems logical but rarely is it true in practice. Most short-term and long-term disability plans are administered according to separate plan documents, and those plan […]
You may feel relief once your claim for long-term disability (“LTD”) benefits are approved. It is a grueling process, and you finally see some light at the end of the tunnel. […]
Mark D. DeBofsky, Founder of DeBofsky Law, is to speak at the upcoming Chicago Bar Association (CBA) Committee meeting on January 19th, 2023, at 12:15 – 1:15 PM.
You worked hard on your long term disability appeal. Hopefully, you followed our LTD claim appeal best practices when preparing your appeal. Maybe you followed our advice and hired an attorney to prepare the appeal for you. Now, the appeal is in the insurer’s hands. Despite your preparation, it is still possible for the appeal to go awry after it is submitted to the disability insurer. […]
Although the Federal Rules of Civil Procedure are to be applied uniformly in all civil actions,[1] which would encompass Employee Retirement Income Security Act benefit claims,[2] civil procedure in ERISA litigation often deviates from the norm.[…]
Calculating disability benefits seems like it should be an easy matter. Yet, determining the amount of disability benefits payable can sometimes be quite complicated. Individual disability benefits are usually easier to calculate than group disability benefits. But the devil is often in the details as the following discussion points out.[…]