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23 Feb 2021Once you have purchased a new life insurance policy, your beneficiaries are not guaranteed to receive payment on any claim for the first two years of the policy. This is known as the contestability period, and the insurance company uses it to protect itself. It may refuse to pay claims if it finds that there was fraud or
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26 Jan 2021If you are sick or have been injured and have a long-term disability policy, you may be able to receive benefits under your policy. In the U.S., if the policy was provided through your job with a private-sector employer, these disability policies are almost always governed by a law called ERISA. Before you file your claim, you should
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29 Dec 2020Millions of Americans participate in employer-sponsored retirement plans, though many people know little about their plans or their rights under the law. When individuals work for a private sector employer, these plans are almost always governed by the Employee Retirement Income Security Act of 1974 (ERISA), which is a federal law that purports to protect the rights of
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Mr. Garner is an ERISA employee benefits and employment attorney with over a decade of experience. The laws governing employee benefits, the employment relationship, and the workplace are complex.
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