If you have had a disability or life insurance claim denied, you likely heard some version of this: “We have reviewed the file, and we have determined you are not entitled to benefits.” No matter how many medical records you have submitted or how legitimate your condition is, the denial can feel like a dead […]
As a professional, executive, or business owner, you have likely invested years and tremendous effort in building your career. Yet when a serious illness or injury forces you to stop working and you need to file a claim for disability benefits, you may discover that your insurer is far less cooperative than you anticipated. Whether […]
If your disability insurer has denied your appeal of their termination of benefits and you have exhausted your appeals under your disability policy, then you are entitled to file suit in federal court pursuant to the Employee Retirement Income Security Act of 1974 (“ERISA”). [..]
If you suffer from a medical condition that results in physical restrictions and limitations, a functional capacity evaluation () can measure your physical functional ability concerning your specific job duties and essential work functions. The evaluation should demonstrate the combined effect of all your symptoms […]
A major current focus of litigation brought under the Employee Retirement Income Security Act of 1974 (ERISA) has to do with excessive fees charged to participants in their employers’ 401(k) and 403(b) defined contribution plans. […]
If you have an employment-related benefit claim, ERISA likely applies to your claim. ERISA claims involve complex rules and strict deadlines that can be challenging and challenging to navigate. […]
A beloved member of your immediate family recently died suddenly in what you believe was an accident. You submitted an insurance claim to recover accidental death insurance and received a surprising denial letter citing one or more policy exclusions. […]
If your disability benefit claim is made under a plan sponsored by your employer, it is typically governed by the federal ERISA (Employee Retirement Income Security Act) law. In ERISA parlance, a “plan administrator” is the party that adjudicates benefit claims. For disability benefits, the plan administrator is typically the insurance company that issued the […]
To receive disability insurance benefits from an insurance company, it’s not enough to have a disabling diagnosis. Rather, insurance companies reviewing disability benefit claims require evidence (such as medical records, letters from doctors, and test results) to determine the validity and severity of the disabling condition […]
It can be difficult to secure disability benefits when you are unable to work. That is especially so when your inability to work is caused by Postural Orthostatic Tachycardia Syndrome (“POTS”). […]
The post-pandemic workplace has fundamentally shifted, with remote work becoming a permanent fixture for millions of employees. However, as companies increasingly implement return-to-office (RTO) mandates, a critical question emerges […]
The introduction of H.R. 3758, the Workers’ Disability Benefits Parity Act of 2025 a major milestone in advancing ERISA mental health disability parity and promoting equal treatment for mental health and substance use conditions in long-term disability (LTD) insurance. The bill builds on findings from the 2023 ERISA Advisory Council report titled Long-Term Disability Benefits and […]