If you purchased your disability policy through your employer, your policy is covered under the ERISA law. The disability carrier has the discretion to pay your benefits and, many times, will improperly deny legitimate disability claims. Sometimes filing a lawsuit is what it takes to get your benefits granted. What about Attorneys Fees? In ERISA

Many long term disability policies have a policy provision that reduces the amount of long term disability benefits by “other income.” If a long term disability carrier begins making disability payments, they will offer the policy holder the option to: 1. Reduce the amount of disability benefits by an estimated amount of deductible benefits, or

Many long term disability policies will deduct from your disability benefits any money you might receive for: • Social Security Disability benefits, • Dependent benefits, • Workers’ Compensation, or • Proceeds of a third party settlement arising out of an accident. Many policies will provide the policy holder to either receive the full amount of

Most long term disability policies will pay full long term disability benefits, but subtract from those benefits other income benefits, such as Social Security Disability benefits. The Games the Representative Company Plays with Long Term Disability Often, the disability insurance company will recommend that you use a service they endorse to help you get the

One of the most commonly overlooked areas in estate planning is deciding whether you should purchase long-term care insurance. Four Reasons Why Long-Term Care Insurance Gets Forgotten Long-term care insurance is the only way to prepare for the future and protect assets that you might want to pass on to your relatives or loved ones.