Month: June 2018
The Games Long Term Disability Insurers Play – Game #1: Make the Goal Too High
Pain can limit people from working. We all know that. If you hit your thumb with a hammer, you will see how difficult it is to focus on other matters. The problem for long-term disability insurers is that pain is
A Glitch From a Switch
What happens if your employer switches providers for an ERISA benefit? It can mean that you start over in meeting certain terms, such as a pre-existing condition exclusion or some other limitation. This recently happened with a two-year suicide exclusion
Five Ways New Claim Procedure Regulations Will Impact Your LTD Claims: Change #2
For claims filed after April 1, 2018, there have been some changes that will be helpful to claimants and hopefully make the claim process fairer: Change #2: The Explanation For ERISA long-term disability claims and pension disability claims, the insurance