As employees, understanding our rights and benefits related to retirement plans is crucial. The Employment Retirement Income Security Act of 1974, commonly known as ERISA, plays a significant role in ensuring that employees receive the retirement benefits they deserve. The California ERISA Attorneys at Kantor & Kantor, LLP, help clients who filed an insurance claim […]
Planning for the future is never easy. It is one of those things we know we should do, but it often gets pushed to the back burner. If you are in your fifties or early sixties, you might think, I am healthy now—why should I worry about something that may not even happen? It is […]
Long-term care (LTC) insurance is designed to provide financial peace of mind, ensuring that you or your loved ones can afford the care needed later in life. But with inflation driving up the costs of care, the premiums for these policies have been steadily climbing. The issue becomes even more complex when you consider that […]
If you are exploring long-term disability (LTD) benefits or Social Security Disability Insurance (SSDI), you are likely facing a challenging and uncertain time. Questions like “Can I qualify for both types of benefits?” or “Will one impact the other?” might be weighing on your mind. Understanding how LTD and SSDI work together is essential to […]
Disability insurance policies can come with unfamiliar jargon, confusing timelines, and fine print that’s difficult to navigate. You may be wondering about the differences between short-term and long-term disability insurance and how each type works. In most cases, people have both types of coverage if they have disability insurance at all. The key distinction lies […]
Long-term disability (LTD) benefits provide financial support when you are unable to work due to a disability. But what if you are considering returning to work, even part-time? The answer depends on your policy, medical condition, and work capacity. Many insurers use your return to work as a reason to reduce or deny benefits, even […]
When you have built a life defined by success and stability, a medical condition that prevents you from working can be both a personal and financial shock. The growing pile of medical bills and uncertainty about the future are already overwhelming—and battling with an insurance company can add a devastating layer of stress. Unfortunately, insurers […]
When your lifestyle and livelihood are built on years of hard work, a long-term disability can feel like an unexpected storm. The stakes are even higher when insurance companies exploit pre-existing condition clauses to deny benefits unfairly. These companies often treat pre-existing conditions as a convenient loophole to minimize payouts, even when your disability has […]
When you think about your future, your retirement, and the benefits you have worked hard for, the last thing you want to worry about is whether you will actually receive them. For many California employees, understanding the laws that protect these benefits, particularly ERISA, is crucial. You might be wondering why you even need to […]
For successful professionals, managing the unexpected often includes relying on a safety net—like your long-term disability (LTD) insurance. But what happens when the safety net unravels, leaving you to navigate a labyrinth of exclusions, denials, and delays at the worst possible time? Long-term disability insurance is supposed to provide peace of mind, but many people […]
