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Disability Insurance Blog
Understanding the Role Your Healthcare Provider Plays in Your Disability Insurance Claim
Navigating the complexities of an ERISA (Employee Retirement Income Security Act of 1974) disability claim can be daunting, especially when your health and financial stability are on the line. One…
Understanding ERISA Self-Funded Plans
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law designed to protect the interests of employee benefit plan participants and their beneficiaries. While ERISA applies to…
What Recourse is Available to You When an Insurer Mishandles Your ERISA Claim?
The Employee Retirement Income Security Act of 1974 (ERISA) provides standards for private employer-provided group insurance plans, including disability, life, accidental death and dismemberment, pension and health insurance plans. One…
Understanding ERISA Deadlines: When Insurance Appeals Must Be Decided
If you have insurance coverage through an employer-sponsored benefit plan that is governed by the Employee Retirement Income Security Act of 1974 (ERISA), it can be vital for you to…
Preparing for the Future: The Benefits and Drawbacks of Long-Term Care Insurance
Understanding Pros and Cons of Long-Term Care Insurance Long-term care insurance is coverage designed to help pay for care if and when you need extended assistance performing everyday activities and…
Court Finds That McKennon Law Group PC’s Client Is Entitled to Long-Term Disability Benefits; Rejects Guardian Insurance Company’s Application of Pre-Existing Condition Exclusion
On May 9, 2024, in the matter of Jason Kim v. The Guardian Life Insurance Company of America, 8:23-cv-01579, 2024 WL 2106240 (C.D. Cal. May 9, 2024), the Honorable David…
What is the Pre-Existing Condition Exclusion in Disability Insurance Policies and How Does It Work?
Understanding How Pre-Existing Conditions Exclusions in Disability Policies Can Affect A Claim For Disability Benefits Short- term disability and long-term disability insurance policies are designed to provide peace of mind…
Challenging a Disability Insurance Claim Denial Based on a Peer Review Report
If you suffer an illness or injury that leaves you unable to work, disability insurance can be a crucial lifeline to help you survive financially. However, insurance companies deny a…
Your Guide to California Insurance Bad Faith
Insurance Bad Faith and How to Deal With It When you have health, life, disability, or long-term care insurance, or any other type of insurance policy, you expect your coverage…
Western Kentucky District Court Reviews Long-Term Disability Denial Under De Novo Standard of Review Despite Discretionary Policy Language Where the Denial Decision Was Made by a Third Party
The Western Kentucky District Court recently reviewed a long-term disability (“LTD”) claim denial de novo rather than using an abuse of discretion standard, despite the policy containing language authorizing the…
