Month: June 2020
Stuck in the Middle With Your LTD Claim?
Ms. Wallace was a nurse who became disabled. She was covered by long term disability insurance through Hartford in 2012. The coverage was taken over in 2013 by Reliance Standard Insurance Life Insurance Company. Ms. Wallace quit working in 2012
Long Term Disability Traps: Trap #1 Definition of Disability
Many people have long term disability benefits through their workplace, but it is only helpful if it actually insures what you think it insures. Over the next few weeks, we’ll be discussing long term disability traps. A trap is a
ERISA & Heavy-Handed Tactics: Tactic #2
Over the last few decades of working with people who have disability insurance claims, we have seen some heavy-handed tactics used both with private policies as well as group policies. Usually, the tactics involve some significant unfairness, and the person
ERISA & Heavy-Handed Tactics: Tactic #1
Over the last few decades of working with people who have disability insurance claims, we have seen some heavy-handed tactics used both with private policies as well as group policies. Usually, the tactics involve some significant unfairness, and the person
Do You Feel Like You Are Flapping in the Wind?
When employees are offered long-term disability insurance in the workplace and then permit a deduction to their paycheck for that, they expect that they will receive something in return if they ever need it. Perhaps the employee accepted the position
ERISA Claims & 5 Mistakes Made When Filing – Mistake #5
Over the last few weeks, we have discussed four of the five mistakes made when filing ERISA claims for long term disability and short term disability, life insurance, pension or retirement, and sometimes large medical benefit claims. The fifth and
What Does Rebuilding Justice One Case at a Time Mean?
ERISA allows for certain circumstances which create inherent conflicts of interest. Each must be addressed in order to rebuild the justice that they undermine. It is easy for clients to see that an insurance company terminating or refusing to pay