» ERISA

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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Denials for Experimental or Investigational Medical Services

A common reason health care claims are denied is that the service is experimental or investigational. Each health insurance policy defines “experimental” differently, but basically the health insurer is saying hat the treatment is not pro… Read More
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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… Read More
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Kate and Sarah honored as Volunteer Attorneys of the Year by Cancer Legal Line

Kate and I are proud to be honored by the Cancer Legal Line as Volunteer Attorneys of the Year. The Cancer Legal Line does a wonderful job providing legal advice to cancer patients, survivors, and their families. Check our Cancer Legal Line here. 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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ERISA is a current hot topic in the federal courts!

There has been a considerable amount of interest recently in ERISA at all levels of the federal courts. Having a lawyer who understands and can navigate this complicated and changing area is critical to whether your case will be successful. This arti… 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 litigat… 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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Katherine MacKinnon named an Attorney of the Year for 2014!

Kate was recently named an Attorney of the Year for 2014 by Minnesota Lawyer. This is a wonderful honor, and Kate is thrilled to be in the company of the other attorneys who have received this award. Congratulations, Kate! To read the entire article… Read More
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