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		<lastmod>2020-01-22T18:02:29+00:00</lastmod>
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		<lastmod>2021-08-02T19:43:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/health-benefit-ruling-raises-reviewer-neutrality-questions/</loc>
		<lastmod>2021-08-02T19:48:07+00:00</lastmod>
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		<lastmod>2021-11-17T16:14:20+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/10/Does-Bipolar-Disorder-Qualify-You-for-Disability.jpg</image:loc>
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		<lastmod>2021-12-16T23:59:00+00:00</lastmod>
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		<lastmod>2021-12-17T00:08:04+00:00</lastmod>
	</url>
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		<lastmod>2021-12-17T00:10:00+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/the-duty-to-notify-of-post-employment-rights/</loc>
		<lastmod>2022-01-13T16:44:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/10th-circuit-sticks-to-review-proceeding/</loc>
		<lastmod>2022-01-19T22:44:14+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-01-19T22:45:54+00:00</lastmod>
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	<url>
		<loc>https://www.debofsky.com/articles/new-erisa-rulings-diverge-on-civil-procedure/</loc>
		<lastmod>2022-01-21T22:23:28+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/12/New-ERISA-Rulings-Diverge-On-Civil-Procedure.png</image:loc>
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		<lastmod>2022-02-08T02:52:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/ambiguous-wording-in-policy-costs-insurer-additional-4m/</loc>
		<lastmod>2022-02-08T02:55:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/any-or-all/</loc>
		<lastmod>2022-02-08T03:05:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/appeals-court-rejects-rruling-on-tardy-review/</loc>
		<lastmod>2022-02-08T03:09:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/arbitrary-capricious-benefit-denial/</loc>
		<lastmod>2022-02-14T23:13:46+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/08/What-is-an-arbitrary-and-capricious-benefit-denial.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/wash-erisa-ruling-paves-way-for-access-to-health-benefits/</loc>
		<lastmod>2022-02-15T02:31:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/ruling-highlights-key-intersection-of-2-health-benefit-laws/</loc>
		<lastmod>2022-02-17T22:11:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/02/Ruling-Highlights-Key-Intersection-Of-2-Health-Benefit-Laws.png</image:loc>
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	</url>
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		<loc>https://www.debofsky.com/articles/erisa-plan/</loc>
		<lastmod>2022-03-15T15:10:00+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/03/A-Primer-on-ERISA-Benefits-Litigation.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/the-winds-of-change-are-blowing-in-erisa-litigation/</loc>
		<lastmod>2022-03-20T19:44:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/03/The-Winds-of-Change-are-Blowing-in-ERISA-Litigation.png</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/reimagining-erisa-civil-procedure/</loc>
		<lastmod>2022-03-24T12:09:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/03/Reimagining-ERISA-Civil-Procedure.png</image:loc>
		</image:image>
	</url>
	<url>
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		<lastmod>2022-03-27T19:26:18+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/03/ERISA-Ruling-Was-Right-To-Seal-Sensitive-Records.png</image:loc>
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	</url>
	<url>
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		<lastmod>2022-04-01T18:53:49+00:00</lastmod>
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	</url>
	<url>
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		<lastmod>2022-05-12T15:06:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/05/ERISA-Ruling-Was-Right-To-Seal-Sensitive-Records-300x200-1.png</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/insurance-denied-cancer-treatment/</loc>
		<lastmod>2022-05-24T01:29:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/06/Can-my-insurance-deny-coverage-cancer-treatment.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/steps-to-take-if-denied-coverage-for-cancer-treatment/</loc>
		<lastmod>2022-05-24T01:31:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/05/steps-to-take-if-denied-coverage-for-cancer-treatment.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/2nd-circ-ruling-highlights-erisa-determination-deadlines/</loc>
		<lastmod>2022-06-30T03:31:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/06/2nd-Circ.-Ruling-Highlights-ERISA-Determination-Deadlines.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/narcolepsy-disability-benefits/</loc>
		<lastmod>2022-07-12T03:48:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/03/Narcolepsy-Disability-Benefits.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/my-benefit-plan-is-self-funded/</loc>
		<lastmod>2022-07-18T19:34:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/06/How-Do-I-Know-if-My-Benefit-Plan-Is-Self-Funded.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/erisa-ruling-rightly-addresses-civil-procedure-hurdle/</loc>
		<lastmod>2022-08-12T20:27:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/08/ERISA-Ruling-Rightly-Addresses-Civil-Procedure-Hurdle.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-claims-and-complex-regional-pain-syndrome/</loc>
		<lastmod>2022-08-18T12:23:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/what-employment-lawyers-should-know-about-erisa/</loc>
		<lastmod>2022-08-19T12:21:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/08/What-Employment-Lawyers-Should-Know-About-ERISA.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/wit-vis-nabh-amicus-brief/</loc>
		<lastmod>2022-08-19T12:28:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/05/Mental-Health-Treatment.png</image:loc>
		</image:image>
	</url>
	<url>
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		<lastmod>2022-08-26T14:26:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/08/What-is-an-Interpleader.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/7th-circ-ruling-highlights-erisa-contradiction-preemtion/</loc>
		<lastmod>2022-08-29T17:59:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/8th-circ-ruling-sets-road-map-for-disability-benefit-reviews/</loc>
		<lastmod>2022-08-29T18:00:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/01/8th-Circ.-Ruling-Sets-Road-Map-For-Disability-Benefit-Reviews.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/a-lesson-don-t-overlook-other-sources-of-evidence/</loc>
		<lastmod>2022-08-29T18:00:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/accidental-death-ruling-highlights-flaw-in-erisa-deference/</loc>
		<lastmod>2022-08-29T18:16:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/a-re-examination-of-erisa-civil-procedure/</loc>
		<lastmod>2022-08-29T18:17:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/a-ruling-that-could-protect-thousands-of-claimants/</loc>
		<lastmod>2022-08-29T18:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/a-split-in-the-circuits-exists-for-erisa-benefit-disputes/</loc>
		<lastmod>2022-08-29T18:18:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/a-wake-up-call-to-claimants-on-partial-or-residual-disability/</loc>
		<lastmod>2022-08-29T18:19:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/accidental-death-benefits-to-survivors-of-drunken-drivers/</loc>
		<lastmod>2022-08-29T18:19:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/what-need-to-know-about-erisa-liens/</loc>
		<lastmod>2022-09-13T19:50:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/09/What-Every-Personal-Injury-Lawyer-Needs-to-Know-About-ERISA-Liens.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/why-do-health-insurers-deny-claims/</loc>
		<lastmod>2022-09-18T23:36:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/debofsky-law-supporting-sponsor-pac/</loc>
		<lastmod>2022-09-26T16:57:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-benefits-terminated-if-medical-condition-doesnt-improve/</loc>
		<lastmod>2022-09-26T16:59:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/06/Can-My-Disability-Benefits-Be-Terminated-Even-If-My-Medical-Condition-Has-Not-Improved.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/when-hire-disability-benefits-attorney/</loc>
		<lastmod>2022-09-26T22:27:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/07/When-to-Hire-Disability-Benefits-Lawyer.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/a-painful-burden-for-disability-claimants/</loc>
		<lastmod>2022-09-28T22:36:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/ambiguity-can-expand-employee-insurance-coverage/</loc>
		<lastmod>2022-09-28T22:38:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/02/Mark-DeBofsky-New-ERISA-Ruling-May-Cut-Claimants.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/file-disability-benefits/</loc>
		<lastmod>2022-10-05T13:25:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/10/What-Do-I-Need-From-My-Doctor-to-File-for-Disability-Benefits.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/file-disability-insurance-claim/</loc>
		<lastmod>2022-10-18T13:00:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/10/What-you-need-to-tell-your-doctor-after-you-file-your-disability-insurance-claim.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/carrot-or-stick-covid-19-vaccination-approach/</loc>
		<lastmod>2022-11-01T20:00:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/09/Employers-COVID-19-vaccination-approach-%E2%80%93-the-carrot-or-the-stick.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/erisa-ruling-reinforces-claimant-right-to-know-denial-basis/</loc>
		<lastmod>2022-11-11T23:55:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/11/9th-Circ.-Accidental-Death-Ruling-Raises-Critical-ERISA-Issue.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/an-end-to-lenient-regime-of-claim-reviews/</loc>
		<lastmod>2022-11-14T01:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/why-it-is-important-to-make-your-record/</loc>
		<lastmod>2022-11-14T01:59:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/incontestability-clause/</loc>
		<lastmod>2022-11-17T15:30:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/03/What-Is-Incontestability-Clause-Life-Disability-Insurance.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/headaches-and-disability/</loc>
		<lastmod>2022-11-18T00:25:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2017/07/Headaches-and-Disability-Detailed-Case-Analysis.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/when-and-why-add-insurance-companies-deny-claims/</loc>
		<lastmod>2022-11-19T15:56:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2019/11/When-and-why-insurance-companies-deny-ADD-claims.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/generalized-anxiety-disorder-disability-benefits/</loc>
		<lastmod>2022-11-22T15:43:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/11/Generalized-Anxiety-Disorder-Disability-Benefits.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/1st-circ-erisa-benefit-ruling-misapplies-review-standard/</loc>
		<lastmod>2022-11-30T03:34:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/1st-circuit-overlooks-crucial-erisa-distinction/</loc>
		<lastmod>2022-11-30T03:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/401k-litigation-is-rising-what-could-change/</loc>
		<lastmod>2022-11-30T03:40:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/4th-circuit-joins-chorus-in-questioning-tactics/</loc>
		<lastmod>2022-11-30T03:43:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/5-factors-give-courts-help-in-reviewing-erisa-cases/</loc>
		<lastmod>2022-11-30T03:46:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/5th-circuit-stands-alone-on-degree-of-disability/</loc>
		<lastmod>2022-11-30T03:47:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/6th-circ-ruling-offers-fresh-look-at-erisa-exhaustion/</loc>
		<lastmod>2022-11-30T03:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/7th-circuit-addresses-lump-sum-pension-distribution-question/</loc>
		<lastmod>2022-11-30T03:50:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/purchasing-individual-disability-insurance/</loc>
		<lastmod>2022-12-01T15:39:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/09/Buying-Individual-Disability-Insurance.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/benefits-ruling-shows-need-for-revised-erisa-procedure/</loc>
		<lastmod>2022-12-05T19:27:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/12/Benefits-Ruling-Shows-Need-For-Revised-ERISA-Procedure.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/appeal-ltd-denial-on-my-own/</loc>
		<lastmod>2022-12-13T00:05:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/05/Should-I-Appeal-LTD-Denial-On-My-Own.jpg</image:loc>
		</image:image>
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	</url>
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	<url>
		<loc>https://www.debofsky.com/articles/benefit-plan-took-the-necessary-steps/</loc>
		<lastmod>2023-02-24T00:17:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/can-a-discounted-premium-bill-create-an-erisa-plan/</loc>
		<lastmod>2023-02-24T00:22:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/can-an-expired-limitations-period-be-revived/</loc>
		<lastmod>2023-02-24T00:24:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/case-guidelines-not-meant-as-rigid-formula-that-dictates-outcome/</loc>
		<lastmod>2023-02-24T00:32:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/chronic-pain-and-disability-claims/</loc>
		<lastmod>2023-02-24T00:38:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/churches-pensions-and-erisa/</loc>
		<lastmod>2023-02-24T00:42:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/claim-decisions-must-be-reasonable-and-accurate/</loc>
		<lastmod>2023-02-24T00:48:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/claimant-denied-fair-chance-to-continue-benefits/</loc>
		<lastmod>2023-02-24T00:54:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/claimant-not-required-to-exhaust-issues/</loc>
		<lastmod>2023-02-24T01:04:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/clarity-needed-on-contractual-periods-of-limitation/</loc>
		<lastmod>2023-02-24T01:49:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/clearing-up-questions-left-by-doma-ruling/</loc>
		<lastmod>2023-02-24T01:56:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/consider-this-before-wrongfully-denying-a-claim/</loc>
		<lastmod>2023-02-24T02:11:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/considering-impairments-in-combination/</loc>
		<lastmod>2023-02-24T02:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/contingency-fee-representation-uncertain/</loc>
		<lastmod>2023-02-24T02:19:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/contract-clause-strong-enough-to-upend-erisa-forum-provisions/</loc>
		<lastmod>2023-02-24T02:23:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-finds-employee-was-totally-disabled/</loc>
		<lastmod>2023-02-24T02:26:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-issues-important-case-on-attorney-fees/</loc>
		<lastmod>2023-02-24T02:28:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-judgment-stays-on-the-books/</loc>
		<lastmod>2023-02-24T02:36:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-looks-at-critical-issues-involving-syndrome/</loc>
		<lastmod>2023-02-24T02:48:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/appeal-disability-insurance-benefits-denial-timelines-tips/</loc>
		<lastmod>2023-02-27T02:00:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2023/02/How-to-Appeal-a-Disability-Insurance-Benefits-Denial.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/mark-debofsky-quoted-in-wapo-on-nfl-disability-plan/</loc>
		<lastmod>2023-02-24T21:35:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/courts-should-follow-8th-circ-on-erisa-procedure-rules/</loc>
		<lastmod>2023-03-03T17:03:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/big-step-toward-clearing-up-erisa-litigation/</loc>
		<lastmod>2023-03-09T21:23:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/choice-of-review-standard-often-dictates-outcome/</loc>
		<lastmod>2023-03-09T21:25:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-prevents-review-of-doctor-s-report/</loc>
		<lastmod>2023-03-13T07:51:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-questions-insurer-s-about-face-on-paying-disability-benefits/</loc>
		<lastmod>2023-03-13T07:54:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-recognizes-fiduciary-breach-claim-when-health-insurer-gives-erroneous-information/</loc>
		<lastmod>2023-03-13T07:58:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-rejects-claim-that-vitamin-supplements-are-a-medical-treatment/</loc>
		<lastmod>2023-03-13T11:58:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-revisits-difficult-issue-of-total-disability/</loc>
		<lastmod>2023-03-13T12:56:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-says-liberty-made-decision-apparently-devoid-of-reasoning/</loc>
		<lastmod>2023-03-13T14:22:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-says-surveillance-an-abuse-of-discretion-in-disability-benefits-case/</loc>
		<lastmod>2023-03-13T14:23:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-tackles-church-plan-self-reporting-case/</loc>
		<lastmod>2023-03-13T14:25:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-takes-controversial-position-in-pettaway/</loc>
		<lastmod>2023-03-13T14:26:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/courts-face-challenges-with-erisa-limitations-period/</loc>
		<lastmod>2023-03-13T14:50:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/crime-punishment-and-paying-restitution-to-victims/</loc>
		<lastmod>2023-03-13T14:57:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/debofsky-associates-successfully-challenges-forum-selection-clause/</loc>
		<lastmod>2023-03-13T15:02:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/discretion-and-pre-emption-unraveling-erisa-state-insurance-law/</loc>
		<lastmod>2023-03-13T15:14:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/doctors-sizeable-income-from-insurer-raises-big-question-of-neutrality/</loc>
		<lastmod>2023-03-13T15:18:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/doctors-visit-without-treatment-no-reason-to-turn-down-benefits/</loc>
		<lastmod>2023-03-13T15:19:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/does-being-able-to-work-part-time-cut-the-right-to-disability-benefits/</loc>
		<lastmod>2023-03-13T15:20:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/debofsky-associates-wins-attorney-fee-award/</loc>
		<lastmod>2023-03-13T15:43:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/defining-disability-means-looking-at-duties/</loc>
		<lastmod>2023-03-13T15:49:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/defining-full-and-fair-review-of-disability-benefits-claim/</loc>
		<lastmod>2023-03-13T15:50:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/how-do-insurance-companies-evaluate-short-term-and-long-term-disability-claims/</loc>
		<lastmod>2023-03-13T16:11:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2023/02/How-Do-Insurance-Companies-Evaluate-STD-and-LTD-Claims.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-insurance-and-mental-health-need-to-end-discrimination/</loc>
		<lastmod>2023-03-16T19:42:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2023/03/End-Mental-health-discrimination-in-disability-insurance.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/how-is-mental-health-parity-enforced/</loc>
		<lastmod>2023-03-16T19:43:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2023/03/Mental-Health-Benefits-claims.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/debofsky-files-amicus-brief-in-behavioral-health-coverage-case/</loc>
		<lastmod>2023-03-19T14:22:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/prevalence-of-non-examining-doctors-in-disability-insurance-decisions/</loc>
		<lastmod>2023-03-27T11:00:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2023/03/Non-Examining-Doctor-Reviews-in-disability-claims.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/appeals-court-takes-stand-on-sitting-opts-for-labor-department-ruling/</loc>
		<lastmod>2023-03-25T09:03:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-looks-at-deficiencies-in-determining-disability/</loc>
		<lastmod>2023-03-25T09:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-misses-the-mark-on-disability/</loc>
		<lastmod>2023-03-25T09:13:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-misunderstands-definitions/</loc>
		<lastmod>2023-03-25T09:16:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-nixes-insurer-offset-for-dependent-ssa-benefits/</loc>
		<lastmod>2023-03-25T09:21:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-oks-disability-claim-by-attorney-with-chronic-pain/</loc>
		<lastmod>2023-03-25T09:26:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-parses-difference-between-residual-disability-and-total-disability/</loc>
		<lastmod>2023-03-25T09:28:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-questions-insurer-behavioral-health-treatment-guidelines/</loc>
		<lastmod>2023-03-25T09:30:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-refuses-to-rubber-stamp-denial/</loc>
		<lastmod>2023-03-25T09:37:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-rethinks-its-approach-after-glenn-ruling/</loc>
		<lastmod>2023-03-25T09:39:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-right-to-look-at-big-picture-in-benefits-case/</loc>
		<lastmod>2023-03-25T09:42:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-strays-from-rules-of-procedure/</loc>
		<lastmod>2023-03-25T09:45:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-takes-weekends-into-account-in-extending-erisa-deadlines/</loc>
		<lastmod>2023-03-25T09:49:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-throws-back-red-herring-in-fibromyalgia-disability-case/</loc>
		<lastmod>2023-03-25T09:54:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-too-quick-to-allow-in-report/</loc>
		<lastmod>2023-03-25T10:03:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/courts-consider-who-can-be-sued-as-the-defendant/</loc>
		<lastmod>2023-03-25T10:08:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/courts-deal-with-issue-of-erisa-attorney-fees/</loc>
		<lastmod>2023-03-25T10:13:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/courts-seek-clarity-on-subjective-diseases/</loc>
		<lastmod>2023-03-25T10:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/courts-struggle-with-when-limitation-periods-accrue/</loc>
		<lastmod>2023-03-25T10:20:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/credibility-important-element-when-seeking-disability-claim/</loc>
		<lastmod>2023-03-25T10:26:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/credibility-should-have-been-the-issue-in-review/</loc>
		<lastmod>2023-03-25T10:30:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/de-novo-review-is-not-a-rubber-stamp/</loc>
		<lastmod>2023-03-25T10:35:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/decision-begins-to-explain-problems-with-erisa-litigation/</loc>
		<lastmod>2023-03-25T10:42:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/deferential-review-process-needs-fair-standards/</loc>
		<lastmod>2023-03-25T10:44:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/deferential-yes-but-certainly-not-inconsequential/</loc>
		<lastmod>2023-03-25T10:56:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/department-of-labor-proposes-new-regulations-for-disability-benefit-claims/</loc>
		<lastmod>2023-03-25T11:00:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/determining-when-a-cause-of-action-accrues/</loc>
		<lastmod>2023-03-25T11:04:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-benefits-cannot-be-terminated-without-an-explanation/</loc>
		<lastmod>2023-03-25T11:11:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-benefits-turn-on-symptoms-over-diagnosis/</loc>
		<lastmod>2023-03-25T11:16:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-claims-denials-next-steps/</loc>
		<lastmod>2023-03-25T11:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-claims-will-falter-without-specifics/</loc>
		<lastmod>2023-03-25T11:24:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-due-to-pain-is-difficult-to-prove/</loc>
		<lastmod>2023-03-25T11:30:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-insurance-bars-pre-existing-conditions/</loc>
		<lastmod>2023-03-25T11:33:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-insurer-taken-to-task-for-delayed-action-on-disability-claim/</loc>
		<lastmod>2023-03-25T11:35:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-insurer-taken-to-task-over-vocational-assessment/</loc>
		<lastmod>2023-03-25T11:39:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-pension-blocked-for-working-man/</loc>
		<lastmod>2023-03-25T11:43:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/discovery-in-erisa-cases/</loc>
		<lastmod>2023-03-25T11:46:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/discovery-proves-useful-in-erisa-cases/</loc>
		<lastmod>2023-03-25T11:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/discretionary-clauses-and-choice-of-law-in-erisa-cases/</loc>
		<lastmod>2023-03-25T11:57:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/discretionary-clauses-under-heavy-fire/</loc>
		<lastmod>2023-03-25T12:03:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/documents-ruling-cuts-access-to-courts/</loc>
		<lastmod>2023-03-25T12:11:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/does-insurer-get-offset-from-va-disability-benefits/</loc>
		<lastmod>2023-03-25T12:22:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/does-your-insurance-plan-cover-the-latest-hepatitis-c-treatments/</loc>
		<lastmod>2023-03-25T12:27:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/efficiency-expediency-need-to-give-way-to-fairness/</loc>
		<lastmod>2023-03-25T12:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/enforceability-of-forum-selection-clause-reviewed/</loc>
		<lastmod>2023-03-25T12:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/equity-provides-a-way-to-right-a-wrong/</loc>
		<lastmod>2023-03-25T12:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-reconsiders-remanded-benefit-case/</loc>
		<lastmod>2023-03-25T13:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/court-tries-to-end-discretion-debate/</loc>
		<lastmod>2023-03-25T13:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/death-apparently-not-enough-to-prove-disability/</loc>
		<lastmod>2023-03-25T13:51:22+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-03-25T13:55:32+00:00</lastmod>
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		<lastmod>2023-04-17T20:49:48+00:00</lastmod>
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		<lastmod>2023-06-07T03:31:54+00:00</lastmod>
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		<lastmod>2023-06-12T18:30:03+00:00</lastmod>
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		<lastmod>2023-06-13T06:49:36+00:00</lastmod>
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		<lastmod>2023-06-13T07:09:44+00:00</lastmod>
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		<lastmod>2023-06-13T08:40:02+00:00</lastmod>
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		<lastmod>2023-06-13T09:01:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-claim-ruling-holds-erisa-fiduciary-duty-lessons/</loc>
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		<lastmod>2023-06-13T09:06:28+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-13T09:08:34+00:00</lastmod>
	</url>
	<url>
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	<url>
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		<lastmod>2023-06-13T09:53:18+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-13T10:17:33+00:00</lastmod>
	</url>
	<url>
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		<image:image>
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	<url>
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		<lastmod>2023-06-13T10:22:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/erisa-exception-ruling-may-bring-wider-interpretation-in-the-future/</loc>
		<lastmod>2023-06-13T10:24:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/federal-appeals-court-rules-that-erisa-plans-can-include-choice-of-venue-provision/</loc>
		<lastmod>2023-06-13T15:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/federal-appellate-panel-addresses-insureds-disability-insurance-policy/</loc>
		<lastmod>2023-06-13T17:00:39+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-13T17:11:51+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-13T17:23:08+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-13T17:27:13+00:00</lastmod>
	</url>
	<url>
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	</url>
	<url>
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		<lastmod>2023-06-13T18:19:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/federal-judge-found-insurance-giant-breached-its-erisa-fiduciary-duties-and-violated-illinois-law-2/</loc>
		<lastmod>2023-06-13T18:22:05+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-13T18:32:08+00:00</lastmod>
	</url>
	<url>
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	<url>
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		<lastmod>2023-06-14T11:30:41+00:00</lastmod>
	</url>
	<url>
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	</url>
	<url>
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	</url>
	<url>
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	<url>
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	</url>
	<url>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/in-evaluating-disability-insurance-claims/</loc>
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	</url>
	<url>
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	</url>
	<url>
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	</url>
	<url>
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	</url>
	<url>
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	</url>
	<url>
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		<lastmod>2023-06-14T18:00:20+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-14T18:04:35+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-14T18:21:51+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-06-14T18:22:53+00:00</lastmod>
	</url>
	<url>
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	<url>
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	</url>
	<url>
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	<url>
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	</url>
	<url>
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	</url>
	<url>
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		<lastmod>2023-06-15T06:33:23+00:00</lastmod>
	</url>
	<url>
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	</url>
	<url>
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	<url>
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	</url>
	<url>
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	</url>
	<url>
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		<lastmod>2023-07-12T10:18:33+00:00</lastmod>
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		<lastmod>2023-07-21T14:53:37+00:00</lastmod>
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		<lastmod>2023-11-08T06:24:22+00:00</lastmod>
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		<lastmod>2023-11-27T09:12:03+00:00</lastmod>
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		<lastmod>2023-12-01T14:13:59+00:00</lastmod>
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		<lastmod>2023-12-01T15:18:54+00:00</lastmod>
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		<lastmod>2023-12-12T15:53:50+00:00</lastmod>
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		<lastmod>2023-12-13T21:56:42+00:00</lastmod>
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		<lastmod>2023-12-16T20:32:31+00:00</lastmod>
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		<lastmod>2023-12-19T14:53:39+00:00</lastmod>
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		<lastmod>2023-12-19T15:40:06+00:00</lastmod>
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		<lastmod>2023-12-27T14:54:30+00:00</lastmod>
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		<lastmod>2023-12-27T16:01:33+00:00</lastmod>
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		<lastmod>2024-01-09T13:00:45+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/01/Accidental-Death-Insurance-Claims.png</image:loc>
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		<lastmod>2024-01-12T18:54:12+00:00</lastmod>
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		<lastmod>2024-01-15T18:56:09+00:00</lastmod>
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		<lastmod>2024-01-16T19:20:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/01/Law-firm-partner-left-benefits-behind-despite-insurance-deal.png</image:loc>
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	</url>
	<url>
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		<lastmod>2024-01-19T14:55:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/02/disability-benefits-for-depression.jpg</image:loc>
		</image:image>
	</url>
	<url>
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		<lastmod>2024-01-24T20:35:10+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/01/Medical-records-are-crucial-in-LTD-Claims.png</image:loc>
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	</url>
	<url>
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		<lastmod>2024-01-25T15:09:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/reservation-of-rights-disability-insurance/</loc>
		<lastmod>2024-02-08T12:00:55+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/01/Reservation-of-Rights-in-Disability-Insurance.png</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-insurance-field-interviews-what-not-to-say/</loc>
		<lastmod>2024-02-16T13:14:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/02/Disability-Insurance-Field-Interview-Tips.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/erisa-2023-review-litigation-regulation/</loc>
		<lastmod>2024-02-23T13:00:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/02/ERISA-Year-in-Review.png</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/verizon-benefits-ruling-clears-up-lien-burden-of-proof/</loc>
		<lastmod>2024-02-14T14:26:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/02/Verizon-Benefits-Ruling-Clears-Up-Lien-Burden-Of-Proof.png</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/erisa-ruling-shows-why-insurers-must-justify-claim-denials/</loc>
		<lastmod>2024-02-23T17:54:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/02/ERISA-Ruling-Shows-Why-Insurers-Must-Justify-Claim-Denials.png</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/subjective-conditions-in-disability-benefits-claims/</loc>
		<lastmod>2024-02-29T13:00:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/02/Subjective-Conditions-Disability-Claims.png</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/avoiding-job-abandonment-disability-benefits-guide/</loc>
		<lastmod>2024-03-08T13:00:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/02/avoiding-job-abandonment-in-disability-benefits.png</image:loc>
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	</url>
	<url>
		<loc>https://www.debofsky.com/articles/ltd-benefits-va-ratings/</loc>
		<lastmod>2024-03-22T12:00:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/03/LTD-insurance-benefits-and-VA-ratings.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/restrictions-limitations-in-disability-benefit-claim/</loc>
		<lastmod>2024-03-16T18:22:45+00:00</lastmod>
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			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/05/What-is-the-Significance-of-Restrictions-and-Limitations-in-Disability-Claim.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/what-is-proof-of-loss-in-disability-claim/</loc>
		<lastmod>2024-03-17T17:52:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/11/What-is-Proof-of-Loss-in-Disability-Claim.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/indepentent-medical-examination/</loc>
		<lastmod>2024-03-17T19:38:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/04/What-to-Expect-at-Independent-Medical-Examination.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/clarifying-occupation-in-disability-insurance/</loc>
		<lastmod>2024-03-21T20:06:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/03/Occupation-in-Disability-Insurance.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/5th-circ-nfl-disability-ruling-turns-erisa-on-its-head/</loc>
		<lastmod>2024-03-26T00:36:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/03/5th-Circ.-NFL-Disability-Ruling-Turns-ERISA-On-Its-Head.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/ltd-benefits-claims-us-expatriates-global-workers/</loc>
		<lastmod>2024-04-08T11:00:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/03/Expatriate-LTD-Claims.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/epilepsy-disability-insurance-claims-guide/</loc>
		<lastmod>2024-04-01T22:34:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/04/Epilepsy-Disability-Insurance-Claims-%E2%80%93-Doctor-Consultation.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/marie-e-casciari-co-chair-aba-erisa-beyond-the-basics-2024/</loc>
		<lastmod>2024-04-02T13:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/social-security-and-veterans-disability-awards-in-erisa-disability-claims/</loc>
		<lastmod>2024-04-04T21:18:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/04/The-Benefit-of-Social-Security-and-Veterans-Disability-Awards-in-ERISA-Governed-Disability-Benefit-Claims.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/long-covid-disability-claim-guide/</loc>
		<lastmod>2024-04-16T16:59:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/04/Long-COVID-Disability-Claim-Guide.png</image:loc>
		</image:image>
	</url>
	<url>
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		<lastmod>2024-04-24T02:09:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/mediate-insurance-claim/</loc>
		<lastmod>2024-04-24T02:11:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2021/07/What-is-mediation.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/obtaining-ltd-benefits-for-multiple-sclerosis-can-be-complex/</loc>
		<lastmod>2024-04-24T02:12:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/ninth-circuit-mental-health-parity-ruling/</loc>
		<lastmod>2024-04-25T20:37:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/04/Ruling-Puts-Teeth-Into-Mental-Health-Parity-Claims.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/new-disability-claims-and-complex-regional-pain-syndrome/</loc>
		<lastmod>2024-04-28T16:17:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/08/Disability-Claims-and-Complex-Regional-Pain-Syndrome.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-claims-hearing-balance-disorders/</loc>
		<lastmod>2024-05-13T12:00:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/05/hearing-and-balance-disability-claims.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/codvid-19-disability-insurance-webinar-announcement/</loc>
		<lastmod>2024-05-15T19:21:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/physician-with-long-covid-wins-claim-seeking-long-term-benefits/</loc>
		<lastmod>2024-05-17T22:44:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/04/Physician-with-long-COVID-wins-claim-seeking-long-term-benefits.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/duration-disability-benefits/</loc>
		<lastmod>2024-06-03T11:00:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/05/Disability-benefits-duration.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/type-of-doctor-to-support-disability-claim/</loc>
		<lastmod>2024-06-21T11:00:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/05/specialist-doctor-consultation.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/autoimmune-disorders-disability-benefits/</loc>
		<lastmod>2024-06-11T11:00:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/06/Navigating-Disability-Claims-for-Autoimmune-Disorders.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/join-mark-debofsky-for-a-webinar-on-covid-19-and-disability-insurance/</loc>
		<lastmod>2024-06-21T19:13:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/air-ambulance-ruling-severely-undermines-no-surprises-act/</loc>
		<lastmod>2024-06-30T17:44:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/06/Air-Ambulance-Ruling-Severely-Undermines-No-Surprises-Act.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-insurance-peripheral-neuropathy-carpal-tunnel-syndrome/</loc>
		<lastmod>2024-07-14T11:00:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/07/disability-insurance-peripheral-neuropathy-carpal-tunnel.png</image:loc>
		</image:image>
	</url>
	<url>
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		<lastmod>2024-07-02T21:13:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-insurance-pulmonary-disorders-guide/</loc>
		<lastmod>2024-07-10T16:19:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2024/06/Disability-insurance-for-pulmonary-disorders-pulmonary-disability-benefits-claims-guide.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/denial-of-autism-care-coverage-can-breach-erisa-duty/</loc>
		<lastmod>2024-07-10T17:28:37+00:00</lastmod>
		<image:image>
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		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/diabetes-disability-insurance-claims/</loc>
		<lastmod>2024-07-10T17:30:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2023/12/diabetes-disability-insurance-claims.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/disability-benefits-for-fibromyalgia/</loc>
		<lastmod>2024-07-10T17:32:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.debofsky.com/wp-content/uploads/2022/07/Disability-Benefits-for-Fibromyalgia.jpg</image:loc>
		</image:image>
	</url>
	<url>
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		<lastmod>2024-07-10T17:35:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.debofsky.com/articles/prove-disability-due-to-long-covid/</loc>
		<lastmod>2024-07-10T17:56:22+00:00</lastmod>
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		<lastmod>2024-07-10T18:00:19+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-08-14T11:00:44+00:00</lastmod>
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	</url>
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		<lastmod>2024-07-12T21:37:36+00:00</lastmod>
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