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What is the ERISA “Safe Harbor” Provision And Why Should I Care?
What is the ERISA “Safe Harbor” Provision And Why Should I Care?
Below is an explanation of the "safe harbor" provision under ERISA.  As you will learn in dealing with your claim,...
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Long-Term Disability Future Benefit Buyout
Long-Term Disability Future Benefit Buyout
Once a long term disability payment amount is reached, the question of a future benefit buyout may arise.  Sometimes, the...
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Fibromyalgia In Long Term Disability Claims
Fibromyalgia In Long Term Disability Claims
Long-term disability can arise from a variety of reasons.  One of these reasons my be Fibromyalgia.  Below is an explanation...
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Treating Doctor v. Insurance Company’s Doctor
Treating Doctor v. Insurance Company’s Doctor
When there is a dispute regarding your disability, any court hearing comes down to a "battle of the experts."  In...
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Understanding The Definitions in Your Long-Term Disability Policy for Own Occupation to Any Occupation
Understanding The Definitions in Your Long-Term Disability Policy for Own Occupation to Any Occupation
Just like most areas of the law, long term disability policies have their own "jargon" that you need to be...
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Systemic Lupus  Erythematosus
Systemic Lupus Erythematosus
Depending on your medical condition, it is necessary to seek out the appropriate kind of doctor to be treated by...
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My Long Term Disability Insurance Company Thinks I’m “Cured.”
My Long Term Disability Insurance Company Thinks I’m “Cured.”
Just because an insurance company tells you something it true, does not make it so, especially something as subjective as...
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Has UNUM Denied Your Long Term Disability Claim?
Has UNUM Denied Your Long Term Disability Claim?
Many people are just not familiar with what to do if your benefit has been denied.  Below is some explanation...
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Sixth Circuit Decision Affirms 3,800,000.00 “Disgorgement Award”
Sixth Circuit Decision Affirms 3,800,000.00 “Disgorgement Award”
We are asked if the insurance company can be "punished" for failure to pay off a rightful claim.  Below is...
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Long Term Disability Benefits Wrongfully Denied — Cigna to Pay Over $77 Million
Long Term Disability Benefits Wrongfully Denied — Cigna to Pay Over $77 Million
Sometimes, people feel like they are having to fight against a faceless corporation that really doesn't have their best interests...
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