What Is the Elimination Period?
In the complex world of insurance, understanding the nuances of your policy is essential. Insurance, at its core, serves as a safeguard against the unpredictable, offering financial protection in times of need. Whether it's health, disability, or long-term care...
5 FAQs About Long-Term Disability
What is Long-Term Disability? Long-term disability (LTD) is designed to provide financial support if you find yourself unable to work due to a prolonged illness or injury. While the premise sounds straightforward, many intricacies can make or break a claim. Whether...
No longer on the ‘fringe’ of benefits, fertility coverage offered by more employers to attract workers
Companies at one time referred to employee fringe benefits as the ‘hidden paycheck,’ and while that expression isn’t used much today, the reality is that up to one-third of an employee’s overall compensation is paid to them in the form of benefits. As employers ramp...
The Importance of Hiring an ERISA Law and Employee Benefits Law Firm
As a busy employee or executive, employee benefits can be a complex world to navigate. From healthcare to retirement benefits, there are literally hundreds of laws and regulations in place dictating what benefits employers must provide and how those benefits must be...
Fixing broken promises: Employee benefits litigation attorneys push employers to make good on their contractual obligations
Did you know that employee benefits such as health insurance, a 401(k) or defined benefit pension plan, and long-term disability plans offered by an employer are legal contracts? They constitute a legal, mutual agreement between employer and employee and the terms and...
Heir apparent? Apparently not. Putting to rest the misconception of inheriting a pension
Pensions were adopted on a large scale in American society in an era of one-earner households as a way to provide the non-working spouse with a financial safety net in the event of the death of the wage-earner. Pensions are their own entities with their own written...
Crossing the COVID-19 finish line: When two Federal emergency declarations end on May 11, what are the employee benefit implications?
Key Provision of SECURE 2.0 Could Better Equip Employees‘ Fighting Against A Screenshot In Retirement Benefit Disputes
Employer-based retirement assets grow as a result of hours or years spent working, payroll contributions and seniority determined by a complex formula of labor, financial contributions, and length of service to an employer. But, if an employee’s online records of...
You Have Long-Term Disability Insurance. Do You Really?
Recently, we participated in a mediation with a large national insurer who is showing up more and more in our litigation files. Our client is a thirty-year employee who suffered from a terrible spinal condition and failed back surgery. Three medical treating...