» group life insurance

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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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 an… Read More
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Interested in Converting? Tread Quickly and Carefully!

If you are leaving work for a health related reason – for example medical leave for treatment of an illness, short or long term disability, or other medical reason – it may be imperative to find out about whether you can take your life in… Read More
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