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Examples of medical evidence
If you’ve been denied long-term or short-term disability benefits, the reason that the insurance company provided may be that you didn’t give them the proper medical evidence. They do not have enough information to determine if you are actually disabled, so they are going to…
Is appealing denied short-term disability benefits worth it?
The prospect of appealing denied short-term disability benefits may initially seem like a daunting and potentially exhausting process, especially because if you’ve applied for benefits, you are dealing with serious health issues. However, pursuing an appeal is often worth the effort for several reasons. Depending…
How much does a spinal cord injury (SCI) cost?
It’s very expensive to suffer from a spinal cord injury. The costs do depend on the location, which affects how much range of motion is lost, and the severity of the injury. But an SCI is almost always a very expensive injury, especially when you…
3 types of distracted driving
When it comes to distracted driving, texting and driving is perhaps the most well-known issue. Drivers need to stay focused on the road, and using a phone prevents them from doing that, even if they believe they can multitask and drive safely. But why is…
Denied ERISA benefits could quickly lead to financial hardship
The Employee Retirement Income Security Act of 1974 (ERISA) helps to protect workers from poverty after retirement. The law creates restrictions on how companies manage pensions and employer-sponsored retirement benefits. Although the name specifically references retirement resources, ERISA also governs employer-sponsored disability benefits. Companies that…
When might an insurance company violate its duty under ERISA?
Insurance companies underwrite policies as a way to generate revenue. These companies make money by collecting premiums and lose profits when they have to pay large claims. The majority of insurance providers are for-profit organizations, which means that their best interests directly oppose the interests…
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