Court Finds Insurer Must Assess Claim Under its Dual Guidelines
This year has seen a veritable explosion of court rulings relating to insurance coverage for mental health claims. Nor are the courts finished with their work this year. […]
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Updates on the latest in benefits news and practical pointers for your benefits-related issues.
Understanding Disability Insurance Claims for Diabetes
Diabetes, affecting roughly 38.4 million Americans or 11.6% of the U.S. population, is not just a health condition — it’s a reality that shapes lives. This number is further bolstered by the 97.6 million American adults, representing 38% of the adult population, who are living with pre-diabetes. […]
Benefits Limitations Period Ruling Carries ERISA Implications
In the area of cardiac conditions and disability insurance, it is important to note that despite advances in cardiac care and treatment, more than one in three American adults suffer from cardiovascular disease; and more than half are under age 60 (See the National Library of Medicine “Cardiovascular Disability Trends”). […]
Cardiac Conditions and Disability Insurance – A Claimant’s Guide
In the area of cardiac conditions and disability insurance, it is important to note that despite advances in cardiac care and treatment, more than one in three American adults suffer from cardiovascular disease; and more than half are under age 60 (See the National Library of Medicine “Cardiovascular Disability Trends”). […]
How Mental Health Ruling Paves Road For Equal Coverage
More than 15 years have passed since the Mental Health Parity and Addiction Equity Act imposed requirements on health insurers and health benefit plans to provide equal coverage for treatment of mental health conditions and substance-use disorders. […]
What Is ERISA Preemption and How Does ERISA Affect My Employee Benefits
The Employee Retirement Income Security Act (ERISA) is a comprehensive federal law that governs employer-sponsored fringe benefits. […]
Can I Recover Attorneys’ Fees Under ERISA?
The general rule in the United States, which is known as the “American Rule,” is that each party to a legal dispute is required to pay their own legal fees. […]
Cause of a Cause’ too Remote to Trigger Life Insurance Exclusion
Proximate causation is a key issue in tort litigation, but it is also an important issue in accidental death insurance claims, as shown by a recent ruling from a federal court in Texas. […]
Understanding Employee Benefits Law & ERISA with Expert Mark DeBofsky
Some areas of law are tricky and need special attention, and employee benefits law is one of them. It’s a field that affects many people but often doesn’t get the spotlight it deserves. In an eye-opening episode of “15 Minutes,” host Bela Musits talks with expert attorney Mark DeBofsky, ERISA expert and founder of DeBofsky Law. […]
Cancer and Disability Insurance: What You Need to Know
For cancer patients, the battle against this formidable disease involves not just physical and emotional challenges, but also significant financial concerns […]
Wilderness Therapy Ruling May Deter Broad Policy Exclusions
A recent ruling issued by the U.S. District Court for the District of Utah in M.A. v. United Healthcare Insurance rejected an insurer’s blanket exclusion of coverage for wilderness therapy. […]
Demystifying Insurance Companies: Understanding Your Rights and Our Expertise
Most employee benefit claims involving long-term disability are insured by disability insurance companies. As a result of industry consolidation, there are now only a handful of long-term disability insurers that underwrite group long-term disability insurance. […]