Please check your plan document or policy. Most plan's offered in the workplace do have an offset for Social Security disability. Yours may well...

First I agree that it is unfair. It is free money for the insurance company. However the only way that this can occur is for it to be set out in...

Lincoln does not need a valid reason to deny the claim. A wrong reason with somewhat of a reasonable basis is good enough for them. You should...

This does sound very fishy. You should obtain a copy of the summary plan description and plan document and review what it says about changing...

Can I apply for unemployment if my employer is not providing work?

Each state has its own laws regarding unemployment compensation. You should check with the state unemployment compensation agency as to whether you...

Can a dental clinic refuse a refund if they got paid twice for one visit and offer a credit for their services instead?

They should issue a refund to you, unless you signed some agreement before services were rendered that permitted this. You may want to check with...

Must hubby's ERISA disability backpay, paid in 2019 but representing three years of income, be counted only as 2019 income?

This involves a tax question. I am an employee benefits lawyer but based on my experience and generally speaking the year in which the money was...

Long term disability

This requires a review of the long-term disability policy and a few more facts. Some long-term disability policies allow for a recurrent disability...

That will depend on what your plan says. You should challenge the STD termination within the time limits, to protect your rights to LTD. If allowed...

You certainly can request your long term disability insurance carrier to pay the remaining future benefits in a lump-sum. But you do not have any...