Long-Term Care Benefits: Is LTC Insurance Right for You?

As more people have become aware of just how expensive long-term care can be, they've become more proactive in trying to figure out a way to pay for it. And insurance companies have naturally jumped at the chance to sell them long-term care insurance. But while it can help pay the high cost of nursing [...]


Long-Term Disability for Depression and Anxiety

Why are claims for long-term disability for depression and anxiety denied so often? Most of the time, it's because they lack sufficient evidence focusing on the symptoms. You need evidence to show that you are receiving a proper standard of care and actively engaging in treatment. You need to demonstrate that the symptoms of the illness prevent [...]


Can You Work While on Disability and Still Collect LTD Benefits?

What You Should Know About Working While on Long Term Disability If you're considering returning to work, you should know that working while on long term disability could put your benefits at risk. This is especially true if you'll be earning as much as (or close to) what you were earning before your disability. But [...]


What Happens If My Long-Term Care Insurance Policy Premiums Keep Increasing and I Can’t Afford to Pay Them?

If you are faced with an egregious increase in your premium you may have legal recourse by: Contacting state insurance regulators or Voicing concern at public meetings to consider rate increases or Lawsuit if the rate increase was not lawful Consider making public record request to your state department of insurance to verify the new [...]


Jonathan M. Feigenbaum Discusses DOL Amended Regulations for ERISA-Covered Plans

In an article published in the ABA journal, Jonathan M. Feigenbaum discusses the DOL's amended regulations for plans covered by ERISA. The significant changes raise an important question: What does it meant to have a "full and fair review" when it comes to sharing evidence? Read the full article here:


How to Answer Long-Term Disability Interview Questions

It’s no secret that long-term disability insurance companies don’t like paying certain claim. Often long-term disability adjusters start the process with an interview. If you’re nervous about "the interview", you should be. When you’ve been receiving benefits and you’ve been called in to answer long-term disability interview questions, you’re probably worried that the insurance company [...]


What Happens If I Don’t Pay My Long Term Care Insurance Premium and My Policy Lapses?

This following is a general statement of what happens often but is not a guarantee of an outcome. Whether you can ultimately reinstate your Long Term Care Insurance Policy (“Policy”) depends heavily on: (a) Policy terms; (b) state where you live; ( c) state where you purchased the Policy; and (d) statutes and regulations where [...]


Fact Sheet: ERISA Restores Over $ 777.5 Million to Employee Benefit Plans, Participants and Beneficiaries

Through its enforcement of the Employee Retirement Income Security Act (ERISA), the Employee Benefits Security Administration (EBSA) is responsible for ensuring the integrity of the private employee benefit plan system in the United States. EBSA's oversight authority extends to nearly 681,000 retirement plans, approximately 2.3 million health plans, and a similar number of other welfare [...]


What Happens If I Have a Long-Term Disability Policy and I Can’t Pay the Premium?

If you become disabled due to an illness or injury for which qualifies you to receive long-term disability payment, usually you no longer need to pay premiums. Most policies contain a waiver provision that provides in substance that if you qualify for long-term disability benefits, you are not required to pay premiums while you are [...]


What Happens If the Life Insurance Policyholder Dies Within the Contestability Period?

What is a life insurance contestability period? If the life insurance policy holder dies within the contestability period, the life insurance company will investigate whether the insured provided accurate information on the policy application. The insurance company has the option of denying payment of the policy death benefit if it can prove that the [...]