Today, an increasing number of Americans face the denial of long-term disability coverage. Unlike social security disability, your employer provides long-term disability coverage through an insurance company. The coverage is governed by a federal law called the Employee Retirement Income Security Act (ERISA). Insurance companies deny long-term disability applications for a number of reasons. If […]
ERISA stands for the Employee Retirement Income Security Act. It is a federal law that governs private employers that have 25 or more employees and provide pension, retirement, or other plans. ERISA section 510 protects participants in and beneficiaries of employee benefit plans governed by ERISA. ERISA section 510 also applies to people who have […]
If you have a long-term disability insurance policy, you may be surprised to learn how many ways your insurance company can find to reduce the payments it owes you. Almost all long-term disability policies permit the insurer to use “other benefits” to offset the amount they must pay. This means that in most cases, the […]
ERISA is the Employment Retirement Income Security Act of 1974. ERISA regulates many employer-sponsored benefit plans such as retirement, health insurance, and long term disability insurance. ERISA protects employees by: Requiring plan administrators to be transparent and keep employees informed;Preventing mismanagement by defining standards that plan administrators and other fiduciaries must follow; andProtecting employees’ rights […]
A wrongful death lawsuit is a lawsuit brought against a defendant who has caused someone’s death either through negligence or through an intentional act. South Carolina Code of Laws Section 15-51-10 defines this as a “wrongful act, negligent or default of another.” Determine if a Wrongful Death Lawsuit Can Be Filed To determine if a […]
If you were injured in a car accident, you might be wondering, does my car accident head injury qualify for a claim? Head injuries can cause complex medical issues that may induce severe long-term damage to your quality of life. If you become injured in a car accident, determining negligence and who is at fault […]
Navigating the world of ERISA and employer benefits claims is complicated, with countless rules and procedures to follow. Meanwhile, your employer and insurance company are looking out for their interests. In some cases, you file a claim to get the support you need, and your claim is denied. At this point, it might feel like […]
Slip and falls happen every day. Whether you are in the grocery store or at a restaurant, you may be injured in a slip and fall accident. If this happens, you may be entitled to compensation for the accident, your injuries, future disabilities, a loss of income, and more. Personal Injury Lawsuit Process Below, we […]
Semi-truck accidents are some of the worst that happen on South Carolina’s roads. Semi-trucks are very large and heavy, transporting goods around the state and to the rest of the nation. Also called “big rigs’ or “tractor-trailers,” semi-trucks can weigh up to 80,000 pounds—dwarfing the size of much smaller passenger vehicles. If you’ve been in […]
Brain injuries are some of the hardest to recover from after a car accident. Unlike a simple fracture, which can heal if given enough time, a traumatic brain injury can leave a person unable to leave the house for months. Some traumatic brain injuries never improve but leave a person permanently disabled. At our firm, […]