» long term disability
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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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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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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United States Supreme Court hears New ERISA Case
October 15th, 2013
On October 15, 2013, the Supreme Court heard oral argument on a new ERISA case which will decide when a statute of limitations period will begin to run. Check out the summary of the arguments here: http://www.scotusblog.com/2013/10/argument-preview-w…
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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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I Always Feel Like Somebody’s Watching Me…
February 20th, 2013
I Always Feel Like Somebody’s Watching Me… When you are receiving short or long term disability benefits, or if you have applied for disability benefits, chances are the insurance company will do some investigation of your claim. Some types of in…
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What to Do If Your Disability Benefits Are Terminated
November 26th, 2012
“Your Disability Benefits Have Been Terminated.” Working with insurance companies to maintain disability benefits is difficult. Even after your benefit claim is approved, which is a feat in itself, the insurance company usually has the right to r…
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Categories: administrative, appeal, benefits, claim file, denial, long term disability, short term disability, termination