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.” […]
Studies have shown that long COVID, a constellation of debilitating symptoms that persist after an initial COVID-19 infection, has resulted in significant disability for many. The Centers for Disease Control and Prevention reports that symptoms of long COVID such as brain fog and fatigue have affected nearly 7% of all American adults and limited their ability to work. […]
Many U.S. citizens and foreign nationals working abroad find themselves navigating the complex landscape of long-term disability (LTD) benefits. But does the ERISA law apply to U.S. residents living abroad or to non-U.S. residents living outside the United States? […]
Claims involving disability benefits comprise a sizable portion, if not a majority, of cases litigated under the Employee Retirement Income Security Act (ERISA). [..]
Epilepsy, a neurological disorder characterized by recurrent seizures, can significantly impact various aspects of life, including one’s ability to work. Individuals managing epilepsy can find navigating the complexities of long-term disability claims daunting. […]