In Boothe v. Deseret Mutual Benefit Administrators, No. 1:16-cv-0008-DN, 2017 W.L. 2787748 (D. Utah June 27, 2017) the Court found that because the disability coverage ended on November 2, 2012, when the employee’s employment was terminated the claim for disability benefits was correctly denied. Termination Means The End Of Coverage Boothe had been injured in […]
You may have purchased a disability insurance policy hoping that you would never need to use that policy. Do you know the differences between a group disability policy and an individual disability policy? You owe it to yourself and your family to know the difference before you become disabled so your family can purchase more
Unfortunately, long-term disability carriers don’t make it easy for those with cognitive dysfunction to get the disability benefits they deserve or to stay on claim. One of the tactics that disability carriers routinely use is to claim that cognitive problems are just the manifestation of underlying psychiatric conditions. As a result, a policy holder’s benefits
You purchase a long term disability policy to provide you with peace of mind if you became sick, injured or disabled. Unfortunately, long term disability carriers don’t make it easy for the disability policyholders to get the disability benefits they deserve. Understanding The Disability Insurance Claims Process There are 4 possible scenarios in the claims
This Is What Happens When A ERISA Disability Policy Holder Is Left High and Dry Read More »
When Does The Meter Run On Your ERISA Disability Claim? In Heimeshoff v. Hartford Life and Accident Insurance Company, U.S.#12-729(December 16, 2013) the United State Supreme Court found that “absent the controlling statute to the contrary a participant and a plan may agree by contract for particular limitations., even when it starts to run before
The Ugly Truth About ERISA Plans And Contractual Limitations Period Read More »
Did you know that nearly 1 in 5 people living in the United States have a disability for over a year or until they reach the age of 65. Physicians see on a day in and day out the devastating impact of injury or illness. Unfortunately, many physicians don’t have long term disability insurance or
The Ugly Truth About Why Every Physician Should Have Disability Insurance Read More »
Many times long term disability policies require that the policyholder applies for Social Security Disability benefits (SSDB). The policy will also provide that if you don’t apply for the benefits, the carrier has the right to reduce your disability benefits by what you or your dependent relatives would have received in your Social Security benefits.
“ERISA” stands for the Employment Retirement Income Security Act that was enacted in 1974 as a result of the Jimmy Hoffa’s pension scandals. The United States Congress wanted employers to provide to its employees a pension, health insurance, disability insurance and other employee benefits. To make this insurance affordable, employers asked for legislative protection from
What Every Disability Policy Holder Needs To Know About ERISA Read More »
The Scleroderma Foundation has recognized June as Scleroderma Awareness Month with annual awareness and fundraising events. What You Should Do If Your Doctor Has Told You That You Can No Longer Work As A Result of Scleroderma You may have purchased a disability policy on your own through your employer hoping you’d never need to
Can You No Longer Work With Your Scleroderma Read More »
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