Category Archives: Disability Insurance and ERISA

Disability Insurers’ Games — Redefining Your Own Occupation

During the first two years (this can vary) of disability, most long term disability insurance policies are required to pay benefits if the claimant is disabled from his “own occupation.” After that initial period, the claimant must prove that he … Continue reading

Posted in Disability Insurance and ERISA | Tagged , , , , , | 1 Comment

Lump Sum Disability Settlement Calculator

Skip to the Calculator If you have been offered a lump sum settlement by your disability insurance carrier, you need to know the present value of your claim to make an educated decision. This calculator does all the hard work … Continue reading

Posted in Disability Insurance and ERISA | Tagged , , , , | 65 Comments

Have a Question about ERISA or Long Term Disability?

If you have a question about ERISA, Short Term or Long Term Disability Insurance and need a quick answer, you can now submit it to a disability attorney online 24/7 by clicking this link. You need to pay for the … Continue reading

Posted in Disability Insurance and ERISA | Tagged , , , , , , | Leave a comment

Can My Disability Insurance Company Deny My Claim Again?

If your disability insurance company has denied your ERISA-based disability claim once and then subsequently reinstated benefits, either through your successful appeal or through your victory in court, there is nothing preventing it from cutting off your benefits again in … Continue reading

Posted in Disability Insurance and ERISA | Tagged , , , , | 3 Comments

Disability Insurance Claim Denied? Don’t Do Your Own Appeal

UPDATE: After writing this article, I went ahead and wrote an e-book for disability claimants who want to handle their own appeals. It includes form letters and disability forms for your doctor to fill out (which I use in my … Continue reading

Posted in Disability Insurance and ERISA | Tagged , , , , , | Leave a comment

Long Term Disability Insurance Policy Provisions – Part II

This is a continuation from Long Term Disability Policy Provisions – Part I. Long Term Disability Insurance – The “Maximum Benefit Period” Almost all long term disability policies stop paying benefits when you turn 65 years old, or when you … Continue reading

Posted in Disability Insurance and ERISA | Tagged , , , , | Leave a comment

Long Term Disability Insurance Policy Provisions – Part I

Your long term disability (LTD) insurance policy probably reads like most insurance policies, meaning that it is long, confusing and full of industry-specific terms of art that you will have a hard time understanding unless you are a lawyer or … Continue reading

Posted in Disability Insurance and ERISA | Tagged , , , , | Leave a comment