Long-term Disability Benefits

Long-term disability (LTD) insurance is a safety net that is supposed to catch you if you can no longer work due to a disabling illness or injury. But when the insurance company rejects your LTD claim, you face potentially catastrophic financial and health...

For anyone with a steady job, long-term disability (LTD) insurance is a no-brainer. It serves as an essential safety net in case an injury or medical condition prevents you from working. While each policy differs, LTD generally provides a portion of your earnings to...

If you submit a long-term disability claim and receive a rejection letter, don't fret. An initial denial is not the final word. Under disability plans governed by the Employee Retirement Income Security Act (ERISA), there are avenues for having your claim...

In an ideal world, taking care of yourself would be easy. Unfortunately, that's often not the way it works. Even if you plan ahead and take advantage of employer-offered long-term disability (LTD) insurance, you may find yourself in a tough spot: with a denial letter,...

Fibromyalgia syndrome (FMS) is a rheumatoid disorder of the muscles and bones that causes pain and fatigue. Patients and doctors understand full well the condition's devastating effects and how it can prevent people from working - and a new blood test helps make that...

We read with interest a recent article on a personal financial news website about two programs that help employees who are unable to continue working because of injury or illness. Both are familiar to regular readers of our Milwaukee employment law blog: Social...

President Gerald Ford had been in office less than a month when he put his signature on the Employee Retirement Income Security Act of 1974 in a Labor Day White House ceremony. Since then, ERISA has been amended a number of times to strengthen its protections of...

Regular readers of our Milwaukee employment law blog know that our most recent post was about a new study of workplace injury and disability conducted by researchers at the University of California and Boston University.According to researchers, Hispanic immigrant men...

Milwaukee residents are understandably proud of the cultural diversity that is one of the strengths of our city. But we also understand that much work remains to ensure that everyone has the same rights and opportunities to succeed in America.A recent study shows that...

Life with a disability can be difficult enough. So often life is made more difficult and complicated by an insurer that denies long-term disability benefits.A recent column by a financial planner laid out good reasons for workers to acquaint themselves with basic...