For nurses, their job is more than just a career—it’s a calling. Long shifts, physically demanding work, and high emotional stress come with the territory. But when an injury or illness makes it impossible to continue working, many nurses turn to long-term disability (LTD) insurance, expecting it to be a safety net. Instead, they often [...]
Transitioning from active military duty to the private sector can be both exhilarating and challenging for veterans. On one hand, you bring a wealth of skills, discipline, and problem-solving abilities to your new job. On the other, the physical or mental strains of military service don’t magically vanish once you put on civilian clothes. Over [...]
Many high-earners view a long-term disability (LTD) policy as a crucial safety net, guaranteeing at least a portion of their livelihood in the event of an unexpected injury or illness. However, when that time comes and policyholders need those benefits, they often face a harsh reality: denial letters, seemingly endless requests for more information, disingenuous [...]
For many physicians, practicing medicine isn’t just a profession—it’s a calling. Years of education, training, and dedication hone their ability to provide expert care to patients. Unfortunately, when a doctor is diagnosed with Parkinson’s disease, this calling can become painfully difficult to uphold. Parkinson’s is a progressive neurological disorder that often leads to tremors, muscle [...]
Group Life Insurance Benefits Denial - Our Success Story One of the most complicated aspects of employee benefits involves attempts by medically disabled employees to maintain employer-sponsored life insurance while on medical leave. Everything about this process is full of pitfalls. Sometimes, as this story demonstrates, an employee cannot safely rely on the benefits “experts” [...]
Long-term disability (LTD) claims are a crucial lifeline for professionals who find themselves unable to work due to injury or illness. These claims provide financial support that helps individuals maintain their standard of living during extended periods of incapacity. Unfortunately, the process of filing an LTD claim—and ensuring its approval—is not always straightforward. Insurance companies, [...]
Does it seem like your disability insurance company is taking too long to decide your claim? You may be correct. If the insurer’s decision is in fact late there are steps you likely need to take to enforce your legal rights. The Employee Retirement Income Security Act of 1974 (“ERISA”), the law that governs group [...]
Introduction: A Landmark Settlement for Consumer Protection The recent settlement between the US Department of Labor (DOL) and Prudential Insurance Company of America represents a significant victory for consumer protection. This groundbreaking agreement mandates crucial revisions to Prudential's life insurance practices, which had previously led to the wrongful denial of numerous claims. This article delves [...]
Sun Life Supplemental Life Insurance Policy Benefits In this case, our client’s husband was automatically enrolled in his employer’s basic life insurance coverage when he began working. Several years later, after their child was born, the husband decided to increase his life insurance coverage to provide greater financial protection for his growing family. He therefore [...]
Employer-offered disability insurance plans are governed by a set of law called ERISA: the Employee Retirement Income Security Act. ERISA was intended to protect the cash in employees’ pension funds. Since it was implemented in 1974, however, it has mutated into a set of rules that give shocking advantages to the insurance companies should you [...]
