When many people think of workers’ compensation, they view it as something that a person receives for an on-the-job injury, such as an accident or another major occurrence. In reality, workers’ compensation covers many types of workplace injuries and illnesses, such as occupational exposures and repetitive stress injuries. Also known as wear and tear injuries, […]
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How Much Is My Workers’ Comp Case Worth?
If you are injured or become ill while on the job (or as a result of your work), then you may be eligible for workers’ compensation benefits. This is a type of insurance that provides medical treatment and wage loss benefits to employees who have gotten sick or been injured on the job. These benefits […]
Continue ReadingWhat Should I Do If I Have Been Requested for a Workers’ Comp IME?
In New Jersey, workplace injuries and illnesses are governed by the workers’ compensation system. Workers’ comp is a type of insurance that all New Jersey employers are required to carry. In the event that an employee is injured or becomes ill due to a workplace accident or exposure, they are covered by this insurance regardless […]
Continue ReadingPrudential Disability Claim Denials
Long-term disability (LTD) insurance offers protection against uncertainty. If you become disabled due to an illness or injury, this type of policy will provide monthly payments to help you cover your expenses while you are unable to work. LTD policies are offered by a number of insurers, including the Prudential Insurance Company of America (Prudential). […]
Continue ReadingCigna Disability Claim Denials
Long-term disability (LTD) insurance can be incredibly important — perhaps even more critical than life insurance. LTD benefits offer monthly payments in the event that you are unable to work due to a disability. These payments can provide a financial lifeline in a time of difficulty. Too often, however, insurance companies that offer these policies […]
Continue ReadingWill I Be Followed By a Workers’ Comp Investigator?
Once you have filed a claim for workers’ compensation in New Jersey, there is a possibility that the insurance company handling the claim on behalf of your employer will hire a private investigator. As the insurance company gathers evidence through official channels, such as requesting reports from your doctor, the investigator may perform surveillance on […]
Continue ReadingHow Does the VA Rate PTSD?
In recent years, the impact of trauma on our lives has become a hot topic. More than ever before, experts and laypeople alike have recognized how conditions such as post-traumatic stress disorder (PTSD) can affect a person. This is particularly true for anyone who has served in the military. PTSD is incredibly common in veterans. […]
Continue ReadingLiberty Mutual Long-Term Disability Insurance Claims
The American Association for Justice (formerly the Association of Trial Lawyer of America) has named Liberty Mutual as the tenth worst insurance company in the United States. The report alleged that Liberty Mutual has adopted a policy of denying, delaying and defending claims rather than simply paying policyholders what they are owed. In addition, Liberty […]
Continue Reading24 Month Termination of Long-Term Disability Benefits
A long-term disability (LTD) insurance policy can be a crucial way to protect yourself financially in the event that you are unable to work due to a disability. These types of policies provide a monthly benefit — typically between 50 to 60% of your salary — while you cannot work because of a physical or […]
Continue ReadingDisability Benefits for the Self-Employed
There are many benefits to being self-employed, such as the ability to set your own schedule, being your own boss, and the potential to reap financial rewards for your hard work and innovation. However, working for yourself can also be risky. In many cases, the entire business model rests on your shoulders — which may […]
Continue ReadingLincoln Financial Long-Term Disability Claims
Long-term disability (LTD) insurance is a particular type of policy, offering benefits in the event that you are unable to work for an extended period of time due to a disability. It can offer a financial safety net during a stressful period of time. Yet when a major insurance company, such as Lincoln Financial, unfairly […]
Continue ReadingCan You Get Short-Term or Temporary Disability Benefits?
A short-term disability does not qualify as a disability for either SSDI or SSI benefits. But you do have other options. The Social Security Administration (SSA) has two disability programs that offer benefits to individuals with disabilities: SSDI pays benefits to individuals with disabilities and certain members of their families if they have worked long […]
Continue ReadingWhat Role Does a Vocational Expert Play in Disability Benefits?
If you are in the process of applying for disability benefits, you may be a bit confused by the entire system. Like most federal government agencies, the Social Security Administration (SSA) has an overwhelming number of rules, regulations — and acronyms. Understanding more about the system can help you as you go from initial application […]
Continue ReadingERISA Claims and Appeals Process & Procedures
If your employer offers long-term disability benefits, it will typically be covered by a federal law known as ERISA (Employee Retirement Income Security Act). ERISA sets minimum standards for benefit plans in the private sector, offering a number of protections for individuals enrolled in these plans. In addition to grievance procedures and appeals processes, ERISA […]
Continue ReadingHow Does VA Disability Back Pay Work?
If you served in the military and suffered a disability as a result of your service, you may be entitled to benefits. The Department of Veterans Affairs (VA) provides disability benefits veterans who have a current illness or injury that either began or was made worse during their service. A veteran must have been discharged […]
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