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What is a Life Waiver of Premium benefit?

A “Life Waiver of Premium” benefit – also called an “LWOP” benefit- is a provision that is commonly included in life insurance policies which waives the premiums normally required to maintain life insurance coverage for…

FAQ: When should I get an attorney involved in my disability/life insurance/pension issue?

There are three common times when you should think about involving an attorney in your ERISA employee benefits dispute or claim: (1) when submitting an application for benefits, (2) after the denial of benefits, and (3) at the commencement of litiga…

Administrative Appeal Exhaustion

If the insurer makes an “adverse benefits determination” (meaning a decision that is in some way not favorable to you – such as terminating or denying your benefits claim), ERISA regulations require that you be allowed to submit a…

Assumptions, Calculations, and Formulas: Are My Benefit Payments Being Calculated Correctly?

The letter finally arrived from the insurance company letting you know you will begin receiving monthly disability benefit payments.  A week or so later, a check arrives in the mail.  The check is in an amount less than your normal paycheck.  You…

Helpful Hints When Applying For Long or Short-Term Disability

Applying for disability benefits can be stressful. You’re sick and unable to work. You’re not sure about your financial future. You have forms to fill out, doctors to see, and decisions to be made. But being careful and thorough when filling out…

What to Do If Your Disability Benefits Are Terminated

“Your Disability Benefits Have Been Terminated.” Working with insurance companies to maintain disability benefits is difficult. Even after your benefit claim is approved, which is a feat in itself, the insurance company usually has the right to r…

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