Many employers offer long-term disability (LTD) insurance policies intended to protect an employee’s financial interests in the event they cannot work due to a lasting mental or physical disability. But how much can you expect for your LTD payments if you become disabled? It is important to be familiar with your right to benefits so you can make
The Employee Retirement Income Security Act (ERISA) governs two different types of employer-sponsored retirement plans, which are called defined benefit plans and defined contribution plans. Whichever plan you are a part of, it is important to understand your rights under ERISA and when these rights might have been violated. Never hesitate to discuss any ERISA retirement plan concerns
When you file an ERISA insurance claim for short or long-term disability benefits, you should not expect the insurance company to quickly and willingly grant your claim and begin sending payments. Instead, the insurance company will take many steps to determine whether it can challenge your claim and deny benefits. Insurers use many different tactics, including surveillance of
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