Living with a pulmonary disorder can be challenging, not only due to the physical symptoms but also because of the potential financial impact if the condition prevents you from working. For patients with pulmonary disorders, disability insurance can provide crucial financial support. […]
Under the best of circumstances, plaintiffs face a difficult challenge when they seek to overturn health benefit claim denials. But recent developments in litigation involving health benefits — specifically benefits for mental health treatment — have sent a message to health insurers that they need to be more transparent in adjudicating claims. […]
Living with a pulmonary disorder can be challenging, not only due to the physical symptoms but also because of the potential financial impact if the condition prevents you from working. For patients with pulmonary disorders, disability insurance can provide crucial financial support. […]
Acting in response to consumer complaints about surprise medical bills, Congress enacted a law known as the No Surprises Act,[1] which went into effect on Jan. 1, 2022.[2] The law’s intent was to prevent surprise billing by requiring nonnetwork health providers to provide patients with an advanced explanation of benefits containing a good faith estimate of anticipated charges. […]
Every disability insurance benefit claimant needs to have a doctor certify their disability to the insurance company as a condition of receiving disability benefits. Treating doctors fulfill a critical role in conveying information to the insurance company about the claimant’s diagnosis, treatment, and how their patient’s condition affects their ability to work. […]
If you have been diagnosed with an autoimmune disorder and it is impacting your ability to work, you may qualify for disability benefits based on your condition. Disability benefits protect your income if you cannot continue working due to your medical condition. […]
Understanding the length of time you can receive disability benefits is crucial for financial planning and managing expectations. The length of time you can receive disability benefits is dependent on several factors which are all spelled out in your policy. […]
Living with Chronic Fatigue Syndrome (CFS), also known as myalgic encephalomyelitis (ME), can be an isolating and challenging journey. The debilitating symptoms can impact every aspect of life, making even simple tasks feel like insurmountable obstacles. […]
Two non-physical conditions that can impact an individual’s ability to work are hearing disorders and balance disorders. These conditions can be so severe that they require workers to take extended leaves and file a disability claim under their short-term disability or long-term disability benefit plans. […]
The Employee Retirement Income Security Act (ERISA) is a landmark piece of legislation enacted in 1974 to safeguard the interests of employees who participate in retirement and health benefit plans offered by their employers. ERISA sets standards for these plans, ensuring transparency, fiduciary responsibility, and fairness in their administration. […]
Although mental health parity claims have been proliferating in federal courts for more than a decade, it wasn’t until last year that a federal appeals court laid out pleading standards for mental health parity cases.[1] Another appellate decision has now joined the chorus. In Ryan S. v. UnitedHealth Group Inc.,[2] the U.S. Court of Appeals […]
A recent CNN report cited medical research showing that “long Covid creates a higher burden of disability than either heart disease or cancer.” Studies have also found that long Covid has “forced between two million and four million Americans out of the workforce.” […]