If you're injured and unemployed, can you get unemployment and disability at the same time? Rarely, though it's worth trying. Let's look at how the system works, so you can better understand how disability works as opposed to unemployment —...

When most folks think of ERISA, they think of IRAs and 401ks. ERISA also covers disability insurance. If you become unable to work for any reason, your expenses don’t just go away. It is possible to invest in an LTD (long-term disability) plan that covers...

A number of factors go into an insurance company’s decision to approve or deny a claim for long-term disability. Hardly any of those factors consider your best interests. Insurance companies are allowed by law to deny claims for certain reasons....

When you apply for disability insurance benefits, you must prove that your medical or psychological conditions are disabling. In other words, you must show you are unable to work. However, ERISA plans may define disability and work differently. It is...

If you have a long-term disability (LTD) policy through your employer, the federally enacted Employee Retirement Income Security Act (ERISA) governs your LTD policy. Pursuant to ERISA, your disability application is reviewed and decided by claim administers, usually employed by the...