» benefits

Can't I Appeal My Long-Term Disability Claim Myself?

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 ̵… Read More
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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… Read More
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Life insurance beneficiary forms - common mistakes

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… Read More
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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… Read More
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Unemployment Compensation Appeal Argument

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. Read More
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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… Read More
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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… Read More
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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… Read More
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Social Security Disability Insurance and Long-Term Disability Benefits: Differences and Similarities

  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… Read More
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Supreme Court: Two new ERISA cases!

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… Read More
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