The Americans with Disabilities Act came into existence to protect those with disabilities in the workplace from discrimination and unfair treatment by employers. Disability discrimination is, unfortunately, all too well known in our modern times and happens when an employer treats an employee unfavorably because of their disability. The law makes it a requirement for …
Employee Disability Benefits That May be Available to You
Employee disability benefits may be available to you through work, both on an optional and required level. If you cannot work due to an illness or accident that occurred on the job, you may find that disability benefits are made available to you. There are two different types you may come into contact with: Short-term …
FAQ For Disability Insurance Denial
If you have a long-lasting or permanent injury and require long-term disability (LTD) insurance, you may be looking forward to gaining compensation for the injuries you have sustained from an accident. However, the truth of the matter is that many of these claims for benefits are initially denied. This doesn’t mean that you should give …
How to Appeal a Disability Insurance Claim Denial
If you are seeking disability insurance benefits and received a claim denial, you may wonder where to turn. You may feel lost and helpless and think that this is the end of the line as far as receiving benefits that you know you deserve. However, the process of getting disability insurance benefits doesn’t have to …
Disability Insurance and Obamacare
To understand the basics of disability insurance and how it applies to Obamacare, one must first understand what it is. Obamacare, also known as the Patient Protection and Affordable Care Act (ACA) is a piece of federal legislation that has made changes in how health insurance is paid for. The ACA was signed into law …
Disability Insurers and the Claim Process
Each year, many Americans are disabled as the result of an accident causing them injury. There are many different elements that could be taken into consideration in a disability case and making a claim. For instance, if one is seeking a long-term disability claim, there are three main elements that are typically taken into consideration: …
Long Term vs. Short Term Disability Insurance
People will need disability insurance for different reasons. Many injuries and illnesses are disabling, such as kidney disease, congestive heart failure, and advanced stage cancers. However, there are other factors to consider – a worker may have sustained a back injury and, over the years, the condition becomes worse to the point where work becomes …
ERISA and Disability Benefits
What is ERISA? This is known as the Employee Retirement Income Security Act of 1974, which is a federal law that regulates the retirement plans of private employers. ERISA typically focuses on retirement plans but isn’t just limited to that. No, it also has provisions affecting other employee benefits, including any disability insurance plans that …
Charity Spotlight: PACER Center
The PACER Center is a parent training and information center based in Minneapolis that works to enhance quality of life for children and young adults with disabilities. PACER works with children with all types of disabilities (whether they be learning, physical, emotional, mental, or health) from birth to age 21. PACER Center staff has put …