Insurance laws can be complex, especially when determining whether state or federal regulations apply to your situation. California has its own robust set of state insurance laws designed to protect consumers and hold insurers accountable. Meanwhile, federal laws like ERISA and the Affordable Care Act (ACA) often establish broader national standards. So how do you […]
Did you know that your employer can fire you if mental health issues prevent you from performing your job? While this may seem harsh, it is true. Many individuals suffer from conditions like depression, anxiety, and PTSD, which can become debilitating and can sometimes result in job loss. If you find yourself in this situation, […]
When you navigate the complicated terrain of employer-sponsored Long Term Disability (LTD) benefits, It is crucial to understand how SSA determinations can impact your LTD benefits. First, your SSDI claim will impact the chance of your LTD claim being approved. Your LTD benefits under such a policy typically hinge on proving that you are unable […]
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 […]
Long Term Disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.LTD can provide benefits for work-related accidents or injuries that are covered by Workers’ Compensation insurance, […]
The Kantor & Kantor firm is proud of a recent successful appeal we won for a client with back pain and severe depression. The client has degenerative disc disease of the lumbar spine causing back pain when he sat for longer than a few hours each day.The constant back pain caused the client to be […]
Suppose you are disabled and receiving disability benefits from a long-term disability (LTD) insurance policy. In that case, there is a chance your insurance company will offer you a buy-out. If your insurance company offers you a buy-out, you may have many questions, like: Why did this happen? What does this mean? Do I need […]
It is not uncommon that an initial claim for Long-Term Disability (“LTD”) is denied. This can be for a variety of reasons, most commonly including: lack of coverage, lack of medical evidence, lack of objective medical evidence, or a determination that, despite medical evidence of disability, the illness or injury is not significant enough to […]
Kantor and Kantor recently obtained long-term disability benefits for a client with multiple sclerosis. He worked with the disease as an executive for a number of years, but slowly his illness progressed, and he struggled to continue working.He developed cognitive issues which became progressively worse, causing him to have difficulty making decisions, trouble organizing and […]
Myalgic encephalomyelitis (ME) – also called chronic fatigue syndrome (CFS) – is a serious and often permanent health condition characterized mostly by constant exhaustion and chronic pain. Although this condition is diagnosed hundreds of thousands of times per year in the United States, it is still not well understood. It is hardy even talked about […]
