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In order to compensate for the increase in financial inflation, the United States Department of Labor (DOL) increased penalties regarding specific violations of the Employee Income Retirement Security Act of 1974 (ERISA). These penalties were developed under the Federal Civil Monetary Penalties Inflation Adjustment Act Improvements Act of 2015 (2015 Inflation Adjustment Act). The adjustments […]
Do you need help with a disability? Below you will find a list of the top hospitals in the Minneapolis, MN region. Hennepin County Medical Center (HCMC) HCMC is a level I trauma facility. The hospital has 455 beds and takes up five city blocks in the vicinity of Bank Stadium. In addition, it has […]
Individuals experiencing a disability typically settle for limited insurance packages. Both employer-provided ERISA plans and individual policies typically offer two-year payments for mental and nervous conditions. However, individual policy holders can opt for a package that offers a less restrictive payment plan. What is a typical long term disability limitation? Disabilities, due to sickness or […]
ERISA guides employer-provided healthcare plans. For those covered under the plans, including employees or their beneficiaries, an ERISA Plan expects to be repaid for any medical bills covered by insurance. The effort to attain this repayment is referred to as ERISA Reimbursement. The idea of reimbursement is an extension of a more traditional subrogation. However, […]
If you work in the private sector, the Employee Retirement Income Security Act of 1974 (ERISA) probably has an impact on you. It is possible that you have heard of ERISA and understand how it operates, Many employees who are affected by ERISA everyday are totally unaware of its role in their lives. First drafted […]
Medical conditions or unexpected accidents often prevent us from working for long periods of time. In these circumstances, many of us rely on long-term disability insurance. However, collecting benefits from these insurance policies can be challenging. Sometimes insurers deny claims. Other times they place a limitation on the time period that one can receive benefits. […]
CIGNA / LINA is one of more than 40 nationwide insurance companies that offer long-term group disability insurance. It is one of the largest writers of LTD policies in Minnesota. Consequently, there is a good chance you may be covered by one of their policies now, or in the future. However, the company has been considered […]
Insurance companies sometimes have a tendency to “drag their feet” when insureds file for long-term disability claims. The time it takes to validate the claim can often leave the client frustrated and financially suffering. Insurance companies often use the following methods to deny or lowball clients who are pursuing disability benefits. Insurance companies will work […]
Most people who go to a chiropractor have no idea how physically demanding chiropractic treatments can be on the doctor. The physically intensive nature of chiropractic work can lead to debilitating medical conditions in the doctor, including radiating pain and numbness in the upper and lower extremities. Chiropractors have to lift, manipulate and reposition the […]
In order to determine whether or not you are disabled – or the degree to which you are disabled – the Social Security Administration utilizes a five-step analytical process. This process includes factors such as your work status, medical condition and the severity of your condition, among others. What is the Social Security Administration’s 5-Step […]
