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Independent medical exams for short-term disability claims
Short-term disability benefits or STD benefits provide income for those who miss work for at least seven days. If a person cannot perform his or her job duties, then he or she may deserve 60 to 100 percent of pre-disability earnings. When you apply for…
How do you handle the aftermath of a crash?
When Colorado drivers like you get into a crash, you should know what to do right away. Your actions in the immediate aftermath may impact how your case gets handled in the future. To that end, you must look at the steps taken after a…
How do short-term and long-term disability differ?
If you are fortunate, your employer provides you with both short-term and long-term disability insurance. If not, you may wish to consider purchasing these types of insurance for yourself, particularly long-term disability insurance. Policy Genius explains that both short-term and long-term disability insurance pay you…
What can you do when your IDI claim faces rejection?
Many employees receive disability insurance through an employer sponsored plan. But as a professional, you might buy your own. Medical professionals, lawyers and executives often pay for individual disability insurance (IDI) that can provide broader benefits. Yet, the costly premiums IDI plans carry may seem…
The history of ERISA and how it helps you
Pensions are more secure due to the Employee Retirement Income Security Act (ERISA). Your insurance claims under ERISA may appear complex, but with the right resources it can secure you the help you need. According to the Department of Labor, the IRS oversaw private pension…
How do you appeal a denied ERISA claim?
There are several different types of long-term disability insurance, and the details of your policy may have a significant impact on the appeals process if your claim gets denied. If you get your LTD insurance through your employer, chances are that your claim falls under…
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