Discover how a long-term disability lawyer can guide you through the claims process and ensure you receive your rightful benefits.
Wondering about the Employee Retirement Income Security Act of 1974? Learn all the basics about ERISA and what rights it gives for employees.
Discover how to reverse your long term disability insurance claim denial via the company’s ERISA administrative appeals process.
1. My parents have a long term care policy. What kind of insurance benefits are they entitled to? Generally, long term care insurance provides benefits to pay for care when one is no longer able to perform “activities of daily living” or has a “severe” cognitive impairment. The type of benefits provided depends upon the […]
This question comes up all the time, so we thought we’d discuss it.Although it is a relatively straightforward question, the answer is not so straightforward. In short, it depends.First, it is both to your benefit and to the benefit of the insurance company or employer paying your Long Term Disability (LTD ) claim that you […]
The correct response is, “maybe, or maybe not, depending on the facts, and the state in which you reside.”Insurance policies very often have time limits on the submission of a claim for benefits. In some states, those deadlines are VERY strictly construed, and once the deadline has passed, it does become “too late” to make […]
As one of its top ten financial resolutions for 2008, Union Bank of California advises people to invest in long-term care insurance as part of a financial safety net for their families. Along with the government, private companies see the validity of both long-term care and disability insurance to help individuals deal with exorbitant medical […]