Like anything you are purchasing to protect yourself and your interests, it’s always a good idea to read through your insurance policy carefully before you buy it. While you may have an insurance agent answering questions and telling you that your understanding of...
Year: 2022
Common questions about ERISA appeals
The ERISA system can be very confusing, especially when it comes to disability claims. You know that cannot work and that you need the financial benefits to compensate for your inability to earn. But it’s difficult to know where to start, and more than a little...
3 things to know when asking your doctor about disability
We’ve talked before about how getting your doctor’s support for your disability claim will make a big difference if and when you apply for your benefits. Now, let’s address how to have that all-important conversation. Roughly Many people admit that they have lied to...
Evidence from a medical professional can help your disability claim
It is somewhat common for there to be a bit of a disagreement between individuals and insurance companies regarding whether or not those individuals are disabled. A person may claim that they are now disabled and will never be able to work again, but the insurance...
3 ways ERISA law has changed
ERISA regulations have now been in place for nearly 50 years. The act is officially known as the Employee Retirement Income Security Act of 1974. Due to the longevity of the act, it has naturally evolved and changed over the years. This has been done through the use...
What does your policy say about your own occupation?
If you are filing a claim because you believe that you are disabled, there are a lot of factors to consider. You need to know the exact definition of a disability in your policy, you need to know how to get the medical records to prove that you're disabled, you need...
How might your New Jersey employer violate ERISA obligations?
As you know, ERISA is supposed to protect employees covered under disability insurance and other employee welfare benefit plans provided by an employer. The Act also establishes the minimum standards for plan administration. As an ERISA participant, you have rights,...
Who can you trust when filing an ERISA disability claim?
While no one wants to see you suffer due to injury or ilness, not everyone wants to pay you for it. If you have coverage through your employer that falls under ERISA guidelines, you need to take particular care as the rules are complex. Understanding who is on your...
How can being caught on camera harm your ERISA claim?
If you are filing or have already filed an ERISA disability claim it is very important to be aware that insurers may be watching you to gather evidence which can undermine your right to benefits. This is not something you may even be aware of-- surveillance is...
3 important steps to take before an ERISA appeal
The Employee Retirement Income Security Act of 1974 (ERISA) is an important federal law that is supposed to protect employees dependent on employer-sponsored benefits. ERISA creates certain rights for employees and their dependents and certain responsibilities for...