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 [...]

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” [...]

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 [...]

If you have insurance through your employer and your claim is denied, here are some clues that the attorney you are talking to about your long-term disability claim isn't experienced: Cannot explain how your case would progress from internal appeal to litigation without doing "a little research." They don't mention ERISA at all. Talks about [...]