If you are ill or have been injured and can no longer work, disability insurance benefits can protect you and your family from financial hardship by insuring a portion of your income when you are unable to work. The disability benefits process can be complicated, though, so you may want to consult with an attorney […]
Deciding disability benefit cases can be challenging for federal courts, but in Dwyer v. Unum Life Ins. Co. of Am., 2021 WL 2853250 (E.D. Pa. July 8), a federal judge in Pennsylvania was able to cut through the confusion and issue a decisive ruling in favor of the plaintiff […]
A July 7 ruling from the U.S. Court of Appeals for the Seventh Circuit has potentially created a large loophole in multiemployer welfare and pension plans’ ability to collect delinquent contributions from successor organizations or to impose withdrawal liability on successors […]
Court rulings on issues involving the Employee Retirement Income Security Act sometimes have surprising outcomes, and a June decision from the U.S. District Court for the District of Massachusetts in the case of DeBold v. Liberty Life Assurance Co. of Boston[1] is a good example […]
If you are unable to work due to disability and are fortunate to have long term disability insurance through your employer, you may not realize the importance of also applying for Social Security disability insurance. Or your LTD benefits may have been denied despite your ongoing receipt of SSDI benefits, prompting you to wonder how is that possible […]
Lawsuits involving disputes over disability, life, or health insurance rarely go to trial, and most are settled, often by mediation. Mediation is a frequently-used alternative dispute resolution mechanism in both ERISA claims as well as individual health, life, and disability insurance claims […]
Health insurance is a critically important benefit since illness and injury are unpredictable, and the high cost of medical care makes it unaffordable to most people absent insurance. Healthcare coverage is confounding, especially if one has health insurance through their employer and are eligible for Medicare due to the so-called Medicare as secondary payer rules […]
If your insurance coverage is provided in accordance with the Affordable Care Act (Obamacare) or you have Medicare, your coverage is comprehensive and will cover treatment for cancer. However, there are many situations in which coverage for cancer treatment may be denied, as the following discussion explains […]
Though not obligated to by law, employers typically offer severance packages as a gesture of goodwill and recognition of an employee’s service. It is also not uncommon for disabled employees to be offered a severance package when they can no longer work due to a disabling medical condition […]
A cancer diagnosis brings with it many challenges, including not just emotional and physical challenges but also financial and logistical hurdles as you attempt to find the best treatment options[…]
The Employee Retirement Income Security Act (ERISA) of 1974 was passed by Congress primarily to protect employee retirement benefits by establishing requirements to assure that promised benefits are delivered. One of the principal reasons that Congress was spurred to pass the ERISA law was the bankruptcy of the Studebaker car company in the 1960s. When the car maker failed, its workers learned to their surprise and disappointment that their promised pensions were not going to be paid to them […]
Mark DeBofsky was recently privileged to have been invited by Conquer Myasthenia Gravis (formerly known as the Myasthenia Gravis Foundation of Illinois) to present a talk on how to navigate the “Disability Maze” that persons diagnosed with myasthenia gravis, a neuromuscular disorder, often have to face.[…]