When a long-term disability forces you to leave your employment, you may be counting on your ERISA long-term disability insurance policy to cover important life expenses and keep your family afloat. When that claim is denied, it can create financial challenges and make you feel like you have been taken advantage of. Know your rights […]
Continue ReadingLong Term Disability
New ERISA Rules For Long-Term Disability Benefits Claim Process: What You Need to Know
Last year brought new ERISA rules for the long-term disability benefits claim process. If you have short- or long-term disability insurance in an ERISA plan, most of these changes affect your employer, giving employees more rights. Here’s what you should know about the new system. This blog post will provide an overview of the 2018 […]
Continue ReadingHow Union Reps Affect Your Claim to Union-Funded Long-Term Disability Benefits
Union representatives can be an important ally at work. They can negotiate on your behalf, help resolve workplace conflicts, and step in when a long-term disability threatens your employment. But if your employer benefits package includes union-funded long-term disability benefits, you may need to know how best to work with your union reps, and when […]
Continue ReadingLong Term Disability Benefits Denied or Terminated? How to Appeal
Your employer-provided long term disability insurance is supposed to cover you when your mental or physical condition makes it impossible to work. But actually receiving benefits can often be challenging. Find out how to appeal if you have had your long term disability benefits denied or terminated. This blog post will address the appeals process […]
Continue ReadingWhat Is the Difference between “Own Occupation” and “Any Occupation” in Long-Term Disability Insurance Policies?
Your long-term disability insurance (LTD) policy likely defines disability based on whether are able to perform your “own occupation” or “any occupation.” You probably want to know — and need to know — what the difference is between “own occupation” and “any occupation” in long-term disability insurance policies and what each term means. Those provisions […]
Continue ReadingHow to Apply for Long-Term Disability in New Jersey
If you are disabled from working, you may well be depending on receiving long-term disability benefits through a policy provided by your employer. Knowing the right steps and timeframe in which to apply for long term disability benefits (LTD benefits) can make all the difference in being approved for benefits when you need them most. […]
Continue ReadingCommon denial tactics by insurance companies
Why are LTD disability claims usually terminated or denied? Every claim is decided individually, but long-term disability insurance companies often follow the same playbook when coming up with reasons to deny benefits. Finding a long term disability lawyer who knows that playbook can help you respond quickly and effectively to a wrongful denial of your […]
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