You think about filing a claim under your employer's long-term disability plan. Everyone has advice. Your friends, co-workers, human resource directors and even your doctors will all be happy to point you in the "right" direction. Unfortunately, even though this advice is always well-intentioned, ERISA law is such a specialized area of the law that most of it is also ill-informed. This is true even when you're getting advice from other attorneys. Even very bright lawyers can lead their clients astray if they give advice in the field of ERISA law without having practiced extensively in that field.
If you've talked to anyone about your long-term disability claim, you've probably heard one of these lines:
- If you write a reasonable letter to the insurance company, you will get a reasonable settlement proposal
- Filling out the Insurance Company's forms will get you your benefits
- If you have been received Social Security disability benefits, getting long-term disability benefits will be a cakewalk
- If the insurance company sends you an "activity log," its because they really want to know what you do day in and day out
- The best way to convince the insurance company that you can't work in a sedentary job is to write them a 40 page letter describing your medical condition and all of its details
- Any lawyer can help you with your ERISA long-term disability claim
- You should hold back your best evidence until the day of trial
- Your doctors will come to trial and testify for you and you'll be able to convince the judge that you are disabled
- You will be allowed to testify when your case goes to trial
- If your doctor writes that you are "disabled," you will win your case
- The insurance company "appeals" process is fair and unbiased
- When you file a suit, the issue the judge has to decide is whether or not you are disabled - The playing field is level between you and the insurance company
- If your employer says you're too disabled to work, the insurance company must pay out
ERISA is a highly technical, highly rules-based field. One respected federal judge said that claimant's who file and appeal their disability claim without hiring an experienced ERISA disability attorney face a "loaded deck." This is one area of the law where hiring a experienced attorney at the beginning of the claim and really assist you.
Copyright (c) 2008 Benjamin Glass
It would be a wonderful world if nothing changed and everything remained the same. We would not age, die or need medical care in any way. However, the sad truth is that the world is a dynamic and ever-changing place, where nothing remains the same. We may hope that things will remain the same, but they never will, and it is up to us to prepare ourselves for the possible future outcomes that can be difficult to envision. One such way to prepare is through the purchase of long-term care insurance, which can be your best bet for a financially stable life when long-term care becomes an issue for yourself, or a loved one.
Long-term care can happen to anyone, either through old age or an accident. Few would have ever thought that the man who played Superman in four movies would ever need long-term care. He was an excellent example of a fit and healthy human being, but at the age of only 42 he fell off of a horse and was paralyzed from the neck down. For the next nine years he required long-term care. So, you see, the unthinkable can happen to anyone, at anytime, anywhere.
With long-term care insurance, you are preparing for the unthinkable by taking your own future in your hands and ensuring your financial stability, as well as the financial stability of those around you. Studies have shown that long-term care costs for individuals are often paid by immediate family. So, when you fail to plan for the future with long-term care insurance, you are not only jeopardizing your own financial stability, but that of your family.
Long-term care insurance is the best option an individual has for planning their future. The future may be one of vacationing, traveling and enjoying life in retirement, or it may be one of long-term care due to problems relating to health and disabilities. Either way, there is no harm to preparing for long-term care scenarios should they happen. When you buy a sports car, you are not planning on crashing it, but you get insurance nonetheless. You are not planning on being sick in your old age, but it can happen so you should prepare for it with long-term care insurance.
Conclusion ong-term care is a sad reality of growing old. As we get older, the need for long-term care becomes greater and greater, eventually encompassing our entire lives. In this scenario, you want to make sure yourself, and your children, will not be financially burdened by your long-term care needs. With long-term care insurance, those financial needs are taken care of, leaving your children, and yourself, financially secure through some difficult times. Don't leave anything to chance. Take the steps to make your long-term future secure in the case of long-term care needs. Long-term care insurance is your best defense against a destitute and financially-trying retirement. Chance favors the prepared, so don't leave long-term care to chance. The small price is well worth the huge benefits it can reap.
You should just ask for help from an insurance representative who specializes in long term care insurance to answer any questions.
Both Benjamin Glass & Terry Stanfield are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Benjamin Glass has sinced written about articles on various topics from Car Accidents, Legal Matters and Build Online Business. Ben Glass is an ERISA disability insurnace attorney in Fairfax, Virginia. He is the author of, Why Your Employers Long-Term Disability Plan Ma. Benjamin Glass's top article generates over 1300 views. to your Favourites.
Terry Stanfield has sinced written about articles on various topics from Birthday Party, Diabetes Treatment and Dog Care. Before you go out and buy a policy go to and read. Terry Stanfield's top article generates over 90500 views. to your Favourites.