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What do short-term disability PERA benefits cover?
Most people expect to work consistently throughout their adult lives until they reach retirement age. People count on having good health throughout their working years so that they can support themselves and their families. They may have very little in savings, other than what they…
Are chronic migraines a disability?
Migraines are more than just “bad headaches.” They are a complex and debilitating neurological condition that affects millions of people worldwide. While there are numerous migraine subtypes, chronic migraines go well beyond an occasional inconvenience. In fact, they can be profoundly disabling. What are chronic…
How many appeals does ERISA allow for disability claim denials?
Certain worker benefits provided by employers are subject to federal regulation. For example, those who have short-term or long-term disability insurance coverage provided by their employers typically have certain protections thanks to the Employee Retirement Income Security Act of 1974 (ERISA). Despite what the name…
Do LTD insurers use physicians to do their dirty work?
When you bought your long-term disability (LTD) policy, you saw it as an investment for the future. After all, you have a one-in-four statistical possibility of becoming disabled before you retire. Unfortunately, long-term disability insurers don’t always live up to their promises. Many of them…
4 tips when you are appealing an ERISA disability claim denial
As you may know by now, getting the disability benefits you deserve under an employer-sponsored disability plan governed by the Employee Retirement Income Security Act (ERISA) is no easy task. It is common for many Colorado claims to result in denial. Of course, you can…
Proving continuous disability during an LTD waiting period
When you apply for long-term disability (LTD) benefits, the benefits don’t start immediately. Even assuming you meet all the qualifications for disability under your policy’s rules, you still have to get through the waiting (or “elimination”) period, during which benefits are not paid. The longer…
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