Tag: #ERISA
Top 10 Most Confusing ERISA Terms
Often the first two questions we hear from our clients are: Why did they deny my claim? What does this letter mean? Our clients have usually received a letter full of confusing ERISA jargon and terms from an insurance company
How Independent is an Independent Medical Evaluation? [Video]
Many attorneys and courts assume that an independent medical exam (IME) is a fair and even-handed way to evaluate whether a long-term disability claimant truly meets the definition of disability. In many cases, it appears that the long-term disability carrier
PTSD: More Than What You Think
We have handled many different long term disability claims over the last 27 years. One challenging medical condition is post-traumatic stress disorder (PTSD). A person with this disorder has suffered a traumatic event which precludes full function in work environments.
Priscilla & the Turf War [Video]
Priscilla worked her entire adult life as a nursing assistant. She bathed, fed, moved and assisted struggling patients. It was a physically demanding job. She began having problems with her neck but continued to work because she had to. It
Five Ways New Claim Procedure Regulations Will Impact LTD Claims: Change #5
Change #5: Restrictions on Retroactive Cancellation One weapon utilized by insurance companies is rescission. That means cancellation of a contract and the return of the parties to the position they would have been in had the contract never been made.
Five Ways New Claim Procedure Regulations Will Impact LTD Claims: Change #4
Change #4: The Statute of Limitations ERISA allows plans to incorporate terms that provide deadlines or time frames. Usually if the time frames are not contrary to the minimum requirements of ERISA, they are contractually enforceable. One of those time
The Games Long-Term Disability Insurers Play: Unlimited Fouls
In basketball, certain physical contact with a player on the other team is deemed by the rules unfair and considered a foul. The penalty is free throw(s), or the ball is put in play again. Intentional fouls are used to
Kept in the Dark [Video]
Many employees are in the dark when it comes to what rights and benefits they have. But just because a benefit may have expired does not mean that they do not have a claim. Check out a recent decision which
What happens when you can no longer support your family? [Video]
Teachers help take care of our children. But, what happens when teachers become disabled and can’t financially take care of themselves? Watch this video for a story about a client that we helped but whose case could have been a
The Games Long Term Disability Insurers Play – Game #5: No Flag on the Play
Ask any team who just lost a close football game, and they will likely tell you that but for the penalties that should have been called on the other team, they would have won. The video review of plays has