Category: Long Term Disability

ERISA • Employment Law
  • How do Insurance Companies Define Disability?

    Many long-term disability insurance claims are denied because the claimant does not qualify as having a “disability” under the policy. Even if you know your condition keeps you from working, you can still be surprised to receive a denial for this reason. Policies can vary significantly in how they define disability, and you want to be sure that

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  • Reasons Your New Jersey Long Term Disability Claim Might be Denied

    Many long-term disability, or LTD, policies are regulated under ERISA. This is a federal law that stands for the Employee Retirement Income Security Act. When you make a claim for benefits, it is typically evaluated by a claims adjuster who works for the insurance company. Unfortunately, it is not uncommon to have claims adjusters deny valid long-term disability

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  • What to do if Your New Jersey Long-Term Disability Claim is Denied?

    If your long-term disability claim was denied, you are likely considering filing an administrative or internal appeal. This can be a complex process, and we recommend retaining an experienced New Jersey long-term disability attorney for assistance. At The Garner Firm, Ltd., we have extensive experience handling long-term disability claims and subsequent administrative appeals.  You only have a limited

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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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