Do I have to repay LTD insurer if awarded social security disability?

Most long-term disability plans have an offset for social security disability benefits and reimbursement once it’s awarded. The answer to your...

I am trying to understand my rights under ERISA?

Typically, you should have 180 days for your first appeal. This is likely s mustache by the insurance company, but I would take no chances and send...

I am not sure you were given the correct answer. The only way to verify is to ask your employer to send you a copy of your health insurance plan....

You can take up to 12 weeks in total during a 12 month period of time. So, yes, you can take two FMLA leaves in one year, but it cannot be more...

DOL New ERISA Disability Claims and Appeal Procedues? Jan/ 01 /2018

The answer is no. The new regulation, assuming they do come into effect, applies only to claims arising on or after January 1, 2018.

Hi. I was told my Long Term Disability Appeal is being reviewed by the Medical Department of the Insurance Company. Is this

Yes, this is normal procedure. The insurance company either has its own doctor review your medical records or hire an outside doctor to do the...

Will my insurance negotiate if it's a Erica plan

It is really up to Aetna if it wants to negotiate, but they probably will. How strong your negotiating position is will depend on several factors,...

Can I receive both work comp. benefits and private long term disability insurance payments?

If you got your LTD policy from work, then it probably has "offsets" for other income you are now receiving. Workers compensation benefits is...

LTD Policy claims 85% of my SSDI "Other Income." May I reduce OI under LTD Policy via HSA/IRA contributions (deducted from OI)?

Most long-term disability policies have these "other Income" provision that allows the company to offset SSDI in addition to any other income that...

I am on FMLA with my job because of seizures, opted STD but claim was denied for insufficient documentation from psychiatry.

If you worked for a private employer, then changes are a federal law known as ERISA applies. If so, then the first thing to do is to read the...