When you file a long-term disability (LTD) claim, you might expect the insurer to focus on why you cannot work now. But if your employer-sponsored plan has a pre-existing condition exclusion, the insurer may also review care you received before your coverage started....
If your employer-sponsored disability insurance company denies your claim in New Jersey, you might think you can gather new doctor notes or medical tests when you take your case to court. That is a dangerous mistake. Under federal Employee Retirement Income Security...
When you look at a New Jersey ERISA disability claim, the settlement value can feel unclear at first. Many parts go into the final number. Because of that, insurers and attorneys usually look at several key details before they reach a range. What shapes settlement...
Filing for benefits under an employer plan can seem simple at first. However, many New Jersey workers receive denial letters that raise more questions than answers. These decisions often come down to small details in paperwork, deadlines or medical proof. Because of...
Feeling uneasy about the future is normal, especially with today's uncertainties. If you are nearing retirement age and live in New Jersey, you might feel stressed about your financial security. Knowing how to protect yourself and your loved ones is essential. That is...
When Congress passed the Employee Retirement Security Act of 1974, better known as ERISA, lawmakers intended to set certain minimum standards for private employer-provided health and retirement benefits programs. Today, half a century later, ERISA covers more than 60%...
When workers reach retirement age, they should be able to depend on their employer-provided retirement plans. They need to know that the money they put into the system is all there, and that it has been properly managed over the years. The Employee Retirement Income...
Private sector health and retirement plans in New Jersey and around the country must meet standards put into place by the Employee Retirement Income Security Act. The landmark 1974 federal law also established the Council on Employee Welfare and Pension Benefit Plans,...
NFL fans in New Jersey and around the country know that football is a violent game. The league’s retirement plan was established to provide benefits to retired NFL players who are suffering from debilitating medical conditions caused by years of playing the game, but...
Individuals suffering from ADHD in New Jersey and across the nation are impacted in practically every area of life. Therefore, it is essential for them to make sure they have the necessary resources to manage their condition and lead quality and fulfilling lives. Part...
