Year: 2014

When you put in a claim for benefits, the last thing you want is a denial, but that is sometimes what you end up with. Whether you think you are looking at a wrongfully denied individual disability claim or not, it is important to know what to do next. First of all, you need to […]

The Employee Retirement Income Security Act of 1794 may not be something everyone is quite familiar with; however, when it’s referred to as ERISA, more people have at least heard of it. According to the U.S. Department of Labor, ERISA “is a federal law that sets minimum standards for most voluntarily established pension and health […]

We’ve talked about the importance of having long-term care insurance to help cover nursing home care and other assisted living expenses if a person becomes too ill or disabled to care for themselves. The critical importance of this coverage in protecting older people from potential financial ruin is obvious in an example provided by a […]

Many states are well aware that workers could face a disability at some point. For this reason, they provide many options for these people, ensuring that they are able to deal with their troubles in the best way possible. According to the State of California Employment Development Department, if you are out of work due […]

There have been some recent appellate court decisions involving the Employee Retirement Income Security Act of 1974 and in what instances ERISA, a federal law, can supersede or pre-empt state laws when employees make claims against their employers. According to the U.S. Department of Labor, ERISA “sets minimum standards for most voluntarily established pension and […]

Our California readers, regardless of age, realize that they could become disabled at some point, which would make it a challenge, if not impossible, for them to work their day to day job. Insurance companies realize this, and do their best to provide consumers of all ages with long term care insurance. This cannot save […]

Our California readers, as well as those in other parts of the country, must realize at an early age that purchasing disability insurance would be in their best interest. This is a numbers game to a certain degree, meaning that consumers must consider the likelihood that they will become disabled at some point in the […]

We’ve previously discussed the importance of long-term care insurance as part of your overall retirement plan. The American Association of Retired Persons has a good amount of information about LTC insurance on its website. Amidst that information from AARP is a discussion of where people can go to obtain LTC insurance policies, many at discounted […]

Many of our California readers understand the benefits of buying disability insurance. This is particularly true among those who are older, such as when closing in on retirement age and realizing that they could be disabled at some point later in life. Then there are those who are younger, such as individuals in their twenties […]

In California and all across the country, it is very important for people to know about the Employee Retirement Income Security Act, which is commonly known as ERISA. It is there to protect them when they are setting up a pension plan or getting employee benefits, ensuring that businesses, even those that are privately owned, […]