My doctor tells me that I can’t work anymore. What steps should I take before I stop working?

My doctor tells me that I can't work anymore. What steps should I take before I stop working?Get your long-term disability insurance policy (LTD) out and start to read.First, make sure that the condition preventing you from working is covered under your long-term disability policy. For example, if your policy doesn't pay benefits for fibromyalgia or only pays for 24 months, you better know that before you stop working.Secondly, look to see if there are any clauses in your policy that say benefits won't be paid unless you work for certain time before you...

01 November

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What if I am a public employee?

Posted by Nancy Cavey

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What if I am a public employee?ERISA excludes local, state, and federal employees from coverage. For those covered under a private plan, the claim for the denial of benefits is going to be a claim for the breach of a contract and can be tried by jury in a state court system.The term “disabled” is defined in the policy, and the jury will be asked to determine if the claimant is disabled. Evidence is allowed to be brought in from outside of the “administrative record”. It is essential that you contact an attorney if...

01 November

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What does ERISA do?

Posted by Nancy Cavey

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What does ERISA do?ERISA, an Employee Retirement Security Act enacted in 1974, requires employers to provide participants with information about the plan, plan funding and important features. This information is to be provided regularly and automatically. Information can be available free of charge or it can cost money.ERISA also sets the standards for employers for benefit accrual and funding rules. It is defined by the law as when an employee becomes eligible to participate in a plan, accumulate benefits, and have a right for those benefits. The funding of plans is also controlled by...

01 November

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Mike Murburg PA – Tampa Social Security Lawyer

Posted by Nancy Cavey

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Mike Murburg PAThe Firm of Mike Murburg, P.A. is dedicated to the zealous representation of its clients within the bounds of professional ethics and the law. It is the mission of the firm to personally and responsibly represent the disabled, pursue their rights and to obtain the fullest amount of compensation that the law will allow....

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