Month: May 2019
Games Long-Term Disability Claims Administrators Play
This game is a little complicated, but most ERISA games are. Long-term disability (LTD) claims administrators are supposed to consider all information provided by the claimant. However, the claims administrator determines the weight given each piece. If an insurer gives
Garbage In – Garbage Out
Remember that old saying from undergrad computer class – garbage in – garbage out? The 11th Circuit recently ruled that is not true for ERISA under certain circumstances. In a per curiam opinion, the ERISA disability claim heard was denied
“Old Reliable” Insurance Company
What happens when the “old reliable” insurance company you’ve paid premiums to for 30 years denies your claim for long-term disability benefits? We gather all the evidence and research the many claim violations. Then, we present a lengthy, detailed, and
Who Qualifies for Long-Term Disability?
Long term disability (“LTD”) is a private benefit which is governed by a contract that is provided by you or someone else on your behalf. When it is endorsed by an employer, it is regulated or governed by federal or
ESOP’s Fable
An ESOP is an Employee’s Stock Option Plan, but it can also be fertile ground for a fable. Employers use such plans to lure high-quality people to work for them. Employees’ efforts increase the value of the company and thus