If you’re considering an ERISA claim, you need to know exactly how the process works, and that starts with an understanding of the specific eligibility requirements. These are sometimes connected to details about your employment that are fairly easy to back up with...
Does your disability insurance include a “waiver of premium for disability?”
When you sign up for short-term or long-term disability insurance through your employer, you’re taking an important step to protect yourself and your family’s financial well-being if you suffer an injury or illness that requires time away from work. Many people don’t...
Is losing a finger considered a disability?
Major amputations are clearly severe enough to lead to a disability. Someone who loses a leg in a workplace accident, for instance, will see their life change forever. There are prosthetic limbs, of course, but nothing fully replaces a lost limb. But what about the...
Injured employees often suffer post-traumatic stress
Physical injuries are often accompanied by emotional injuries in the form of mental health issues. The reason for this is obvious -- the experience of becoming injured is often a traumatic event that could have been considered a near-death experience. In addition to...
What are the limitations of ERISA bad faith claims?
Insurance companies lose money when policyholders file claims. The bigger the claim, the more incentive the company has to deny it. Bad faith insurance laws protect those who paid for coverage by giving them away to push back against an insurance company. If they deny...
Can depression be a disability?
Physical disabilities are often easier for an outsider to see and understand than mental or emotional disabilities. These “invisible” conditions are often hard to grasp for those who do not have the same experiences. Depression is a prime example. Clinical depression...
Do you need to work with an ERISA attorney?
If you are dealing with a denied ERISA claim or need to make one, it’s a good idea to work with an Employee Retirement Income Security Act (ERISA) attorney. An attorney who specializes in working with ERISA claims will understand current laws and regulations that may...
How do you prove that you’re in pain?
Quite often, pain is an integral part of why any given medical condition can become disabling. But pain is subjective. Everybody experiences it differently. Worse, there’s no scientific way to test your pain, no scale on which it can be weighed -- and no way to...
These jobs may lead to debilitating hearing loss
When most people think about job-related disabilities, they think about things that produce physical abnormalities, such as amputations, or things like brain injuries. Many individuals won’t think about something like hearing loss. The loss of hearing is something...
What are long-term and short-term disability plans?
It's smart to have an insurance policy that covers your income if you should suddenly become disabled. There are two primary types of disability insurance, known as short-term and long-term policies. While there are some similarities between the two, there are a few...
