ERISA Compliance Issues

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If you have long term disability insurance through your employer, then the plan is likely subject to compliance with ERISA. ERISA, or the Employment Retirement Income Security Act of 1974, is a fede...

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Any Occupation Long-Term Disability Policies

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If you have any occupational disability, you may wonder what is the definition of gainful occupation so that you can determine if you are eligibility for long-term disability benefits. This definition...

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Irrevocable Beneficiary

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When you obtain a life insurance policy, you must select a beneficiary. Some people want to later change that beneficiary. Whether or not you can make that change depends on several factors. You must ...

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Retinitis Pigmentosa Disability Benefits

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Retinitis pigmentosa disability benefits may be available if you have an individual or group LTD plan and meet eligibility requirements. If you are suffering from this condition and it prevents you ...

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Insurance Company Surveillance Tactics

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Companies often use disability surveillance tactics in an attempt to discover that a claimant is not really hurt and should be able to work. Their goal is to deny or terminate a claim. Long term disab...

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Long-Term Disability Denied

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If you are unable to work due to injury or illness, you may file a long-term disability claim to try to obtain benefits. Unfortunately, many LTD claims are denied. A skilled disability attorney can ev...

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Is Insomnia a Disability?

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Sleep is as vital to life as eating or breathing. If you are unable to sleep, you may find it difficult to complete everyday tasks of your life. You may wonder, “Is insomnia a disability?” Whether...

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Short Term Disability for Maternity Leave

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Short term disability insurance policies are offered by many employers, and it may also be purchased as an individual plan. These policies provide benefits in the event that you have an inability to w...

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Long Term Disability Elimination Period

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If you have applied for LTD, then you may have been notified that you have a long term disability elimination period. It can be confusing when you’re unable to work and need funds to pay bills. Howe...

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Is Fibromyalgia a Disability?

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Fibromyalgia, also called fibromyositis, is a chronic condition that is characterized by musculoskeletal pain, fatigue, and tenderness in localized areas. But when is fibromyalgia a disability accordi...

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