ERISA disability insurance is an employee benefits package often provided by employers. ERISA stands for “Employee Retirement Income Security Act” established in 1974 and protects individuals. If an employee files for an ERISA disability claim, they may be given...
Can you get ERISA disability for mental disorders?
When you have an injury or an illness that affects your mental functioning, it can be impossible to remain gainfully employed – and your disability benefits are supposed to be there as a safety net. Unfortunately, cognitive and psychological disabilities often provoke...
Do you need to undergo a functional assessment?
If all that it took to get disability benefits was an application, there are undoubtedly people who would abuse the system. Insurance providers are therefore very rigorous in their evaluation of claims, especially when it comes to long-term disability benefits. The...
The potential impact of social media use on your disability claim
Social media provides you with a platform to share your thoughts, keep in touch with family and friends and engage in conversations. While it may not seem like a big deal to post about work-related topics or your activities, if you are seeking disability benefits,...
How do long-term disability claims differ from SSD claims?
If you are unable to work due to a disability, you may be wondering whether you should pursue a Long Term Disability (LTD) claim or a Social Security Disability (SSD) claim. To help make an informed decision, you need to start off by understanding how the two programs...
What if the insurance company disagrees with your doctor?
You believe that you have a disability. Part of this is because you can see how it impacts your life on a daily basis. But part of it is simply because you went to your doctor for treatment, and you have an official diagnosis that shows you are in fact dealing with a...
Is it possible to prove that you have fibromyalgia?
People diagnosed with fibromyalgia or who know someone with this debilitating medical condition understand how serious its symptoms might be. Fibromyalgia can affect everything from someone's ability to focus to the quality of their sleep at night. Chronic pain,...
What is the ERISA claim process?
The Employment Retirement Income Security Act, or ERISA, is a law that dictates the way that claims for retirement, disability, dental and health benefits have to be handled. If you’re hurt at work, ERISA may dictate the way that your insurance claim should be handled...
Does cancer qualify as a disability?
Cancer is one of the most common diseases in the United States. Every year, it is one of the leading causes of death. Currently, it ranks just below heart disease. But when people think about things that are disabilities, other issues often come to mind. They think of...
Why was my ERISA claims denied?
The Employee Retirement Income Security Act (ERISA) was designed to provide relief for American workers by protecting them from mischievous employers who promise handsome pensions only to disappear when retirement comes around. Besides protecting employee pensions,...
