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. […]
On March 15, the U.S. Court of Appeals for the Fifth Circuit withdrew its prior opinion in Cloud v. Bert Bell/Pete Rozelle NFL Player Retirement Plan[1] and replaced it with a new opinion.[2] The outcome remained the same, however. […]
Many veterans have incurred service-related disabilities while serving their country. While wounds, injuries, and illnesses incurred while in uniform can be severe enough to lead to the servicemember’s discharge, in many instances, the toll of a service-connected condition may not manifest until years later and may either be the reason for a long-term disability insurance claim or a factor in such a claim. […]
Navigating the world of long-term disability insurance can be daunting, especially when it comes to understanding how insurers analyze an individual’s occupation. For many people, their occupation is not just a means of income but also a significant part of their identity. […]
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 […]
Many disabling medical conditions can be verified by objective testing measures, such as an MRI x-ray, or EMG. However, there are also a number of conditions that cannot be objectively measured. […]
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. […]
Field interviews with disability insurers are an inherently nerve-wracking experience. These interviews play a crucial role in determining eligibility for disability benefits, making it essential to approach them with caution and preparedness. […]