» 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…

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…

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…

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