Archives for June 2022

Medications can be expensive, even with insurance.  Perhaps more on the side of personal advice rather than legal advice, if you have a prescription for a medication that works for you, get your refills while you can.  There can be several reasons you should do this, but we are specifically referencing medications that you need or that work for you.   Reasons to refill your medications Reasons you should refill your medications when you are able to, even if you don’t necessarily need them at the moment: You can lose your health insurance if your employer terminates you while you’re
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A lot of companies, including the insurance companies, still have employees working from home.  So what does that mean for you?  It means that your claim administrator, appeal administrator, or anyone else associated with your claim may not be working in the same office environment.  Tasks that used to be done faster may not get done quite as quickly.  For example, since correspondence still comes from the corporate office after being generated from the administrator’s home, there may be some delay between the drafting of a letter, being forwarded to the office, and ultimately mailed to you.  Mail itself is
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Flag Day is June 14 in the United States.  While this holiday isn’t necessarily celebrated as jubilantly as others, it still marks a historical day in our history when the flag was adopted by the Second Continental Congress, uniting the colonies under a single flag.   If you are displaying a US flag in recognition of flag day, here are a few helpful reminders: Do not let the flag touch the ground The flag should be illuminated while on display at night If hanging the flag vertically, the union (blue section with stars) should be at the top left The
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What is the difference between social security disability (SSD) and long-term disability (LTD)?  Social security disability is a government program that is paid in to with your work credits.  You know when you get a paycheck and see what has been taken out?  The part that says FICA is paying in to social security for either your retirement or if you become disabled and cannot work.  The amount you qualify for is based on your amount of earnings and hours worked.  ERISA long-term disability insurance is financed premiums and usually pays a percentage of your income.   Do I need
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What’s the number one thing to know about your disability policy?  What should you do if you are denied?  How can you have any idea whether a denial was justified or not?  You should start by looking at your policy, sometimes referred to as plan documents.   What are plan documents? Remember that day when you elected what benefits you wanted to sign up for?  Remember when you elected to obtain disability insurance?  Did you receive a packet of paperwork about your policy?  Perhaps you threw it away or filed it away in a dark region of a filing cabinet
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