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Is my disability plan governed under ERISA?
Group disability coverage typically falls under the ERISA umbrella if the conditions fit the criteria. Plans come with tried and true guidelines but the impact of the Colorado court can mold how claims get interpreted. What is ERISA? A federal law enacted in 1974, the…
LTD insurance: Own occupation versus any occupation claims
Long-term disability claims in Colorado can be challenging. Maneuvering the disability claims process requires an essential understanding of a number of factors. One important issue is knowing the distinction between own occupation disability insurance versus any occupation disability insurance. Own occupation disability insurance Own occupation…
Can I appeal a denied ERISA claim?
Many Colorado businesses choose to provide their employees with a self-funded insurance plan. Unlike traditional insurance plans where employers pay the insurance company a premium, a self-funded plan requires the employer to pay for the benefits themselves. These self-funded plans are usually covered under the…
Is your condition disabling?
If you cannot work due to a medical condition, you have a disability, but your insurer may still deny your claim. Denials of long-term disability insurance claims can feel final and disconcerting, but they have no bearing on whether you have a disability. “Denials” are…
Is long-term disability insurance right for you?
Colorado offers residents short-term disability benefits at no cost. Those who find themselves disabled may be able to receive benefits for up to 180 days. However, the state doesn’t offer cost-free long-term disability insurance. You’ll need to buy it For those who remain disabled after…
What does AD&D insurance cover?
Accidental death and dismemberment, or AD&D, insurance is a type of coverage that helps to protect your loved one’s financial future in the event of your death or permanent disability. Depending on your Colorado employer, you may receive a free AD&D insurance policy as part…
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