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ERISA is the Employee Retirement Income Security Act of 1974. This may seem like a daunting name at first until you know it helps regulate retirement plans and other employee benefit plans like disability and life insurance offered by private employers. In other...
Insurance never seems very important until you need to make a claim. Your employer offering a company-sponsored disability policy was likely less of a factor in your decision to accept the job than the salary, paid time off and work schedule offered. However, once you...
If you're dealing with a disability and trying to file an ERISA or individual disability claim, one part of this process is simply defining your disability. Many people imagine that disabilities tend to be physical (ie, picture persons in a wheelchair), but this is...
Cancer – of any kind – is a devastating disease, so it’s only natural that a diagnosis throws your entire world in disarray. You probably have tons of questions. Eventually, however, your mind is bound to turn to the most practical concern of all: Can you keep working...
Many of us learned at a young age that you should work hard when you’re young so you can retire early and enjoy the fruits of your labor when you’re older. It is oftentimes the case, however, that as we approach retirement age, we experience the challenges of illness...
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...
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...
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...
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...
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...