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    <title>Avvo.com - Employee Benefits Legal Guides</title>
    <link>http://www.avvo.com/legal-answers-search/employee-benefits.html</link>
    <description>Avvo.com - Employee Benefits Legal Guides</description>
    <item>
      <title>ERISA - The Federal Law That Governs Employee Benefits and Employer-Provided Group Insurance.</title>
      <link>http://www.avvo.com/legal-guides/ugc/erisa---the-federal-law-that-governs-employee-benefits-and-employer-provided-group-insurance</link>
      <description>ERISA attorney John Tucker explains the Employee Retirement Income Security and how it applies to group insurance and pensions you may have through your employer.  This includes Long Term Disability Insurance, Health Insurance, Life Insurance, 401k Plans, and Pensions.  </description>
      <pubDate>Tue, 24 Nov 2009 12:07:34 PST</pubDate>
    </item>
    <item>
      <title>Commissions for Salespeople</title>
      <link>http://www.avvo.com/legal-guides/ugc/commissions-for-salespeople</link>
      <description>Maryland Courts prohibit agreements that waive a salesperson's right to commissions upon termination</description>
      <pubDate>Sat, 31 Oct 2009 14:47:22 PDT</pubDate>
    </item>
    <item>
      <title>How to Penetrate the LTD Carrier's Administrative Record for Evidence of Bad Faith/Incompetence</title>
      <link>http://www.avvo.com/legal-guides/ugc/how-to-penetrate-the-ltd-carriers-administrative-record-for-evidence-of-bad-faithincompetence</link>
      <description>Look beyond the administrative record to reveal lack of medical knowledge, sloppy handling of the evidence, and a pro-carrier bias against the claimant by the LTD claim administrator that a court will likely find resulted in an unreasonable denial of long-term disability benefits.</description>
      <pubDate>Thu, 10 Sep 2009 16:35:51 PDT</pubDate>
    </item>
    <item>
      <title>How to Get the Goods Before You Get the LTD Benefits</title>
      <link>http://www.avvo.com/legal-guides/ugc/how-to-get-the-goods-before-you-get-the-ltd-benefits</link>
      <description>Before you can launch a successful appeal against your long-term disability benefits carrier, you have to &amp;quot;get the goods.&amp;quot; What I'm referring to are the pieces of information that your carrier has been using against you behind the scenes.

</description>
      <pubDate>Thu, 10 Sep 2009 16:36:26 PDT</pubDate>
    </item>
    <item>
      <title>How to Prove Your Long-Term Disability to the Insurance Company</title>
      <link>http://www.avvo.com/legal-guides/ugc/how-to-prove-your-long-term-disability-to-the-insurance-company</link>
      <description>Prove your disability: 1) motivate your doctor to articulate your  limitations; 2) discuss your job duties with your doctor in detail; 3) compile every shred of information that supports your disability; and 4) build your own team of skilled professionals to develop your legal/medical case early on.</description>
      <pubDate>Fri, 09 Oct 2009 11:08:30 PDT</pubDate>
    </item>
    <item>
      <title>Michelle's Law: Medical Leave of Absence &amp;amp; Health Care Coverage for Dependent Students</title>
      <link>http://www.avvo.com/legal-guides/ugc/michelles-law</link>
      <description> The law was enacted to ensure that dependent students who take a medically necessary leave of absence do not lose health insurance coverage. </description>
      <pubDate>Thu, 25 Jun 2009 09:45:23 PDT</pubDate>
    </item>
    <item>
      <title>Genetic Information Nondiscrimination Act</title>
      <link>http://www.avvo.com/legal-guides/ugc/genetic-information-nondiscrimination-act</link>
      <description>The Genetic Information Nondiscrimination Act (&amp;quot;GINA&amp;quot;) prohibits discrimination by group health plans, health insurance issuers and employers against an individual based on the individual&#8217;s genetic information.  </description>
      <pubDate>Thu, 03 Sep 2009 16:45:07 PDT</pubDate>
    </item>
    <item>
      <title>Michigan Unemployment Benefits Explained</title>
      <link>http://www.avvo.com/legal-guides/ugc/michigan-employment-lawyer-explain-unemployment-benefits---david-blanchard-nacht--associates-pc</link>
      <description>If an initial claim for unemployment benefits are denied, it is important  for an unemployed worker to understand why they were denied, and what they can do request a re-determination or appeal to protect their rights and get a proper and just determination. These are the next steps.</description>
      <pubDate>Wed, 11 Nov 2009 15:57:30 PST</pubDate>
    </item>
    <item>
      <title>Should I Participate in My Employer's Retirement Plan if I Receive SSI in Georgia?</title>
      <link>http://www.avvo.com/legal-guides/ugc/should-i-participate-in-my-employers-retirement-plan-if-i-receive-ssi-in-georgia</link>
      <description>This legal guide discusses the impact of retirement assets such as a 401(k), Roth IRA, IRA, SEP, or SIMPLE, on medicaid and SSI eligibility. The general rule is that SSI recipients should not place assets in retirement vehicles if they wish to retain SSI benefits.</description>
      <pubDate>Mon, 19 Oct 2009 06:18:07 PDT</pubDate>
    </item>
    <item>
      <title>Employee Exposed to Perfume at Work Allowed Workers' Compensation Benefits</title>
      <link>http://www.avvo.com/legal-guides/ugc/employee-exposed-to-perfume-at-work-allowed-workers-compensation-benefits</link>
      <description>A licensed practical nurse who suffered from preexisting pulmonary disability was permitted to recover benefits against her employer when a co-employee sprayed perfume at work. </description>
      <pubDate>Thu, 21 May 2009 16:41:58 PDT</pubDate>
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