{4:40 minutes to read} What is ERISA? The Employee Retirement Income Security Act of 1974, or ERISA, is a federal law designed to protect an employee’s trust fund benefits. It is primarily directed at defined benefit plans, 401Ks, deferred compensation plans,...
{3:00 minutes to read} Cardiac issues are among the most difficult long-term disability cases. People who have had heart attacks and other cardiac conditions are often afraid of a recurrence. If your cardiologist has told you to “avoid stress,” and your job is...
{3:00 minutes to read} Many people continue to engage in activities such as golf, gardening, or tennis, even when applying for or receiving long-term disability benefits. They don’t want a reduced quality of life, so they refuse to give up their beloved hobbies. This...
{3:15 minutes to read} The vast majority of privately purchased or individual disability income policies for long-term disability claims are non-cancelable, or “non-can.” This means that, unlike group policies, as long as you are paying your premiums, no matter what...
{3:10 minutes to read} The phrases “legal disability” and “factual disability” are common jargon within the insurance industry. It is often argued by insurance companies that loss of professional license or getting fired from your job is no basis for a disability...
