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Disability insurance is a crucial aspect of financial planning, but navigating the various types of coverage can be overwhelming. In particular, understanding the differences between short-term and long-term disability insurance can be confusing. Moreover, differentiating disability insurance subject to the Employee Retirement Income Security Act (ERISA) from other forms of coverage can add another layer…

Great! You have now been awarded social security disability benefits. But how long can you receive these benefits? No award of benefits can truly be considered “permanent”. All disability insurance benefits (except Supplemental Security Income) end at your full retirement age and simply convert to your retirement benefit, which is equivalent to your disability benefit…

The Social Security Act provides benefits for some survivors of deceased insured workers. To be insured, a person must have 40 quarters (10 years) of earnings credits if age 31 or above (there are different requirements under age 31). Survivors’ benefits may be payable to surviving widows or widowers, children, mother or father, or parent.…

Whether you have an individual policy or an ERISA disability plan, you need competent legal guidance when you start your claim, not when you find yourself going to court. At that point, it’s often too little, too late. An attorney can be essential in gathering the evidence necessary to prove your claim. You will need…

Due to nationwide inflation, VA compensation rates will dramatically increase in 2023. The final VA disability COLA will be determined by the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the 3rd quarter (July, August, and September 2022). According to the U.S. Bureau of Labor Statistics (BLS), “The…

Trying to navigate your way through the disability claims process can be frustrating. The following information is offered to help you decide whether you have a claim to make and to assist you if your claim has been denied. You will find it very helpful to have legal assistance to help you navigate your way…