» benefits
Can't I Appeal My Long-Term Disability Claim Myself?
January 9th, 2019
Yesterday, I received chocolate in the mail from a grateful non-client! I spoke to her a couple of times over the phone and was able to coach her into successfully appealing her long-term disability (LTD) claim on her own. So, the answer is yes ̵…
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Assumptions, Calculations, and Formulas: Are My Benefit Payments Being Calculated Correctly?
June 1st, 2016
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 knew d…
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Life insurance beneficiary forms - common mistakes
December 2nd, 2015
Filling out the beneficiary form for your life insurance can be more tricky than you think. There are several common mistakes, including: Naming a minor child without designating how the money should be distributed. Money cannot be given directly to…
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FAQ: When should I get an attorney involved in my disability/life insurance/pension issue?
May 28th, 2015
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 litigat…
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Unemployment Compensation Appeal Argument
February 12th, 2015
Here are pictures from Sarah Demers’ argument at the Minnesota Court of Appeals today! The case was an appeal of a denial of unemployment compensation benefits.
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Administrative Appeal Exhaustion
January 20th, 2015
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 an…
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Categories: administrative, appeal, benefits, deadline, ERISA, exhaustion, group life insurance, long term disability
Assumptions, Calculations, and Formulas: Are My Benefit Payments Being Calculated Correctly?
August 21st, 2014
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 knew d…
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Categories: administrative, benefits, disability, ERISA, long term disability, short term disability
Helpful Hints When Applying For Long or Short-Term Disability
March 10th, 2014
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…
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Social Security Disability Insurance and Long-Term Disability Benefits: Differences and Similarities
October 15th, 2013
Social Security Disability Insurance and Long-Term Disability Benefits: Differences and Similarities Many people who qualify for long-term disability benefits may also qualify for Social Security Disability Insurance (or SSDI) benefits. The definitio…
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Supreme Court: Two new ERISA cases!
April 17th, 2013
The Supreme Court just accepted a new ERISA case with a question we at the Law Office of Katherine L. MacKinnon are excited to hear the answer to: When does a statute of limitations begin to accrue on an adverse benefits determination? We’ll be…
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