Employers often provide their workers with a variety of different benefits. Long-term disability benefits are a popular inclusion in many benefits packages, even though few workers ever need to utilize them. Therefore, there is often quite a bit of confusion about...
Long-Term Disability/ERISA
What is ERISA?
When planning for your retirement, it is critically important that the investments you make are relatively stable. Of course, virtually all investments carry some element of risk. However, there is a marked difference between investing in an employer-sponsored...
Do you have to pay back an LTD plan if you get SSDI?
Long-term disability (LTD) plans and Social Security Disability (SSDI) benefits are two important safety nets that are designed to help when someone suddenly becomes unable to work due to a disability. However, the intersection between LTD benefits and SSDI can get...
If you’re getting STD or LTD benefits, can you go on vacation?
Many people who are receiving short-term disability (STD) or even long-term disability (LTD) insurance benefits aren’t bedridden. However, their injury or illness prevents them from being able to work. For example, a physical therapist who had to have surgery to...
Don’t fall for these ERISA claim myths: What you need to know
If you have a disability insurance policy through your employer, chances are it is governed by a federal law called the Employee Retirement Income Security Act (ERISA). This law sets the rules and procedures for filing and appealing disability claims, your rights as a...
3 mistakes that can ruin a long-term disability claim
If you sustain an injury or an illness that leaves you with a disability, you may not be able to work and care for yourself and your loved ones. Subject to the nature of your disability, you may be eligible for financial restitution through your employer-funded...
Can treatment be a disability?
Have you ever heard someone say that the treatment is worse than the condition? This usually isn’t true in a strict sense. But it does underscore just how detrimental certain types of treatment can be to your health. For instance, perhaps you’ve been diagnosed with...
3 mistakes that can hurt your long-term disability claim
If you become disabled, you may not be able to work and care for yourself like you used to. Consequently, you may be eligible for financial restitution under your employer-funded Employee Retirement Income Security Act (ERISA) plan. However, it is not uncommon for the...
What’s qualified as a long-term disability?
A lot of people appreciate it when their employer provides some kind of ERISA disability insurance. When they do, employees expect their claims to be approved after they develop a disability – but their policies may cover far less than they expect. There are a lot of...
Appealing a denied ERISA claim
Insurance companies do not always hold up their end of the deal when it's time to pay out disability benefits. Too often, even valid claims are denied leaving the beneficiaries on their own in the face of a disabling condition. When your disability claim under ERISA...