The Employee Retirement Income Security Act (ERISA) is a federal law that controls employee benefits, including group long-term disability policies. ERISA provides that you have 180 days from the date you receive an adverse decision (a denial or termination) to file an appeal. Hiring an attorney When you hire an attorney to handle your appeal, […]
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Long-Term Disability for Spinal Cord Disease
When most people think of spinal cord issues, they may immediately think about paralysis — and traumatic spinal cord injuries. Yet there are many forms of spinal cord diseases and disorders that have nothing to do with injuries like car accidents or falls. In fact, the top cause for one of the most serious symptoms […]
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 ReadingLong-Term Disability for Hepatitis C
Almost 2.4 million Americans — or approximately 1% of the adult population — live with hepatitis C. This disease often produces no symptoms during the initial infection, which may lead to irreversible liver damage. The treatment for hepatitis C can often be disabling. Individuals who suffer from long-term or chronic hepatitis C may be unable […]
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 […]
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