According to the latest statistics from the Centers for Disease Control and Prevention (CDC), there are currently 61 million American adults living with a disability of some kind; that’s 26% of us. This figure includes 13.7% of people with mobility-related disabling conditions. However, it also encompasses the types of disabilities you might not automatically consider […]

The Employee Retirement Income Security Act of 1974 (ERISA) is a body of federal legislation that governs a wide range of employer-sponsored benefits for workers. This includes long-term disability insurance coverage you get as a perk of employment. There is a distinct appeals procedure when it comes to employer-provided long-term disability insurance plans (also known […]

Our clients often want to know whether the monthly benefits they’ll receive from an individually purchased or employer-sponsored group long-term disability insurance policy will be subject to federal or state tax liability. While there are certain guiding principles that play a role in answering this query, it’s best to get real tax help to be […]

There are two main types of long-term disability insurance; individually purchased and employer-sponsored. It’s important to be aware of the defining characteristics of each, as they have a major bearing on you as a policyholder and claimant. Your insurance policy’s status as either employer-sponsored or individually purchased will have implications in terms of cost, taxation, […]

Frank N. Darras wrote an article for Legal Reader highlighting the impact college coaches can have on players’ long-term injuries and serious illnesses. It’s not just a matter of the plays they call, but the advice they give. With college players now able to earn revenue via NIL rules, giving these young men (many of […]

Frank N. Darras authored an article for the Los Angeles Daily Journal titled “The year-end NIL playbook for lawyers” that looks at the ways college athletes are being paid under NIL rules and ways lawyers can protect young athletes whose future earnings could be in play. Click below to read the full article (*Daily Journal […]

DarrasLaw Founding Partner Frank N. Darras has been honored in two different areas of litigation in the 29th Edition of Best Lawyers in America. The categories are Insurance Law and Healthcare Law. This is the 16th consecutive year Mr. Darras has been named a Best Lawyer, marking another outstanding achievement. As a lawyer representing the […]

There are many similarities between individually purchased and employer-sponsored long-term disability insurance. Both offer income protection and other financial benefits for policyholders in the event they become unable to do full- or part-time work for an extended period due to a disabling injury or illness. However, there are important distinctions between the two as well. […]

According to data from the US Bureau of Labor Statistics (BLS), 35% of civilian workers in the United States had access to long-term disability insurance coverage in the year 2020. Employees in higher-paying occupations were much more likely to enjoy and be offered this employment benefit. While millions of Americans have disability insurance, only a […]