Understanding what ERISA disability insurance claims are, how ERISA claims are governed, and how disability insurance companies think when approving or denying claims can make a difference. Reading this article may give you the motivation to keep going if you receive a denial of your long-term disability benefits. Disability Insurance Benefits Long-term disability benefits are designed to provide benefits in the event one’s ability to work is interrupted. Most people have little idea whether the disability benefits are provided by their employer or an insurance company, or what it will take to collect the benefits in the event they are needed, because most people are
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