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The Two Reasons Why You Need To Appeal The Denial Of Your Erisa Disability Claims

Long Term Disability

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The Two Reasons Why You Need To Appeal The Denial Of Your Erisa Disability Claims

If you have an ERISA disability policy and your claim has been denied there are two reasons why you should appeal the denial of your disability benefits within 180 days of the date of the denial. What Are The Two Reasons I Should Appeal My Denial of My ERISA Disability Claim? 1. The ERISA law […]

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Do I Have To Cooperate During A Functional Capacity Evaluation In A Long Term Disability Claim?

Disability policies generally require policy holders who apply for disability benefits to undergo an Independent Medical Evaluation or even a Functional Capacity Evaluation. If your policy allows for these and you’ve been requested to undergo such an examination, you have the duty to cooperate. What Happens if you Refuse to Perform Tasks Requested or Don’t

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Am I Entitled To Attorneys Fees At The Expense Of The Disability Carrier If They Paid Benefits After A Lawsuit Is Filed?

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

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What Every LTD Policy Holder Needs To Know About Overpayment Of Benefits

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

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What Is Overpayment Of Long Term Disability Benefits?

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

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Why Every Long Term Disability Policy Holder Should Hire Their Own Social Security Disability Attorney To Assist Them In Getting Social Security Disability Benefits

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

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The Four Reasons Long-Term Care Insurance Gets Overlooked In The Estate Planning Process

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.

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Group Health Insurance Benefits For Those On Long Term Disability Insurance

When you became disabled you, unfortunately, most likely lost your job and your group insurance benefits. The lack of health insurance can have a devastating impact on your medical and financial future. Websites for help with insurance Did you know that there are a number of websites that can help you find an affordable insurance

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Discretionary Clauses And Your Long Term Disability Claim

Get out your long term disability policy and look for something called the “Discretionary Clause”. It’s a clause that lets the long term disability carrier make the decision and requires that the court defer to its decision. It’s what I call a “get out of jail free card.” Fortunately, there are some states that prohibit

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