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Coverage under an employer-sponsored disability insurance plan governed by ERISA can differ significantly from coverage provided by a private disability insurance policy, and these plans are enforced under separate laws. Many physicians, executives, attorneys, accountants, and other professionals know that they have some form of disability insurance, but they have not examined the details in recent memory. While both ERISA plans and individual disability insurance policies can provide a vital lifeline for professionals who have significant time and resources invested in their practice, there are differences and limitations that must be understood before professionals can choose coverage that provides the […]

While all insurance policies are complex, those that are designed to provide assistance when you are unable to work due to a disability seem to be among the most complicated. One reason these policies are often so hard to employ is that they are governed by different laws depending on the specific type of disability insurance policy you are trying to enforce. The federal ERISA laws establish obligations that apply to certain types of disability insurance but not all policies. If you are reviewing your disability insurance coverage, need to file a claim, or want to appeal a denial or […]

Working with a Philadelphia ERISA long term disability lawyer can help medical professionals avoid common mistakes in ERISA claims.