Articles

Updates on the latest in benefits news and practical pointers for your benefits-related issues.

Back to Insights

Job Abandonment or Disability?

Disabilities occur as the result of an accident or illness.  When trauma results in disability, the date of disability can usually be related to the date when the employee suffered an accidental injury. Disability due to illness, especially chronic illness, is more complicated, though. Most employees struggle to remain employed for as long as they […]

ERISA 2023 Year in Review

Table of ContentsIntroductionRetirement BenefitsProposed Fiduciary RegulationCybercrimeHealthcareDisability InsuranceERISA Civil ProcedureConclusion Introduction The Employee Retirement Income Security Act of 1974 (ERISA) [1] directly impacts the lives of most Americans, yet few are familiar with ERISA despite its governance of pensions and retirement plans, along with other employer provided fringe benefits such as health, life, and disability insurance. […]

Verizon Benefits Ruling Clears up Lien Burden of Proof

On Jan. 29, a judge in the U.S. District Court for the District of Rhode Island recently wrote an opinion in a sort of “man bites dog” Employee Retirement Income Security Act case, Verizon Sickness & Accident Disability Benefit Plan v. Rogers.[1] Rather than the typical scenario of a participant in an employee benefit plan […]

Reservation of Rights: Disability Insurance Claimant Guide

Applicants for disability insurance can often receive a mystifying response to their claim for benefits, an approval under a “reservation of rights.” After submitting a claim and providing a treating doctor’s certification of disability along with other medical evidence supporting a favorable claim determination, the expectation is that the claim will be approved. […]

What to Expect at an Independent Medical Examination (IME)

Your private disability insurer may require you to undergo what is known as an “independent medical examination” (“IME”). Indeed, most disability insurance policies include provisions that permit the insurer to require claimants to undergo an examination with a physician of its choosing. Whether you receive disability benefits can depend largely […]

The Importance of Medical Records to a Disability Benefit Claim

When a person is unable to work due to a disabling injury or medical condition, obtaining benefits under an individual disability income insurance (IDI) policy or a group long-term disability (LTD) insurance policy is of a major concern for financial stability. The claims process is often foreign for disabled claimants. Filling out the forms and continuing to receive medical tests and treatment often seem like the only steps a person needs to take to obtain LTD benefits for a valid claim.

Get Results. Contact Us to Get Started

Whether this is your first filing or you need an appeal, we'll review your case, and work with you to get it resolved in your favor. It's your money. Let's get you justice.

Request a Consultation