When long-term disability benefits get denied, you have an opportunity to file an appeal. It’s best to speak with an attorney as soon as possible to get this process underway. Failing to file an appeal on time means that you’ll lose out on this much-needed income replacement while you’re healing from your injuries. Yet filing...
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If your claim for short-term disability benefits got denied, you are not alone. Many people receive an initial denial even after submitting medical records and following the insurer’s instructions. A short-term disability appeal is the formal process for challenging that decision and asking the insurance company to review the claim again so you get your...
If your short-term disability claim is denied, you need to speak with a lawyer as soon as you get that denial letter. A delay could mean losing out on your chance to file an appeal. You may have a short amount of time to do so, and the appeal process can be extremely challenging. Due...
Losing a spouse is one of the most difficult experiences a person can face, and it often brings sudden financial uncertainty. Life insurance is intended to provide support during this time by helping replace lost income and cover expenses such as funeral costs and longer-term needs like a child’s education. Benefits may come from employer-provided...
Disability leave is intended to provide breathing room while you recover from a serious medical condition. In practice, however, it often brings uncertainty. Many people on disability leave worry about whether an employer can terminate their employment and, if so, how that decision may affect their disability benefits. In some cases, insurance companies and plan...
When a serious injury or illness prevents you from working, one of the first concerns is often health insurance. Employer-sponsored coverage can come to an abrupt end at the very moment medical care is most important. In many situations, however, individuals may be entitled to continued coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA)....
Insurance companies may deny your ERISA claim because you missed a deadline, made a mistake filling out paperwork, or because you’re deemed ineligible for coverage. Insurance companies may also note limitations or exclusions in your policy as a justification for denial, which are sometimes hidden in the fine print of your policy. In situations like...