Navigating the intricate landscape of FMLA vs Short-Term Disability insurance and understanding how Washington PFMLA fits into this mix can be a complex and often confusing endeavor. At Aaron Engle Law, we are committed to demystifying these vital workplace benefits and legal protections. This article aims to shed light on the crucial differences and overlaps between Short-Term Disability (STD), the Family Medical Leave Act (FMLA), and Washington’s Paid Family and Medical Leave Act (PFMLA).> With this knowledge, individuals facing medical challenges or family responsibilities can make ..read more

In today’s uncertain world, preparing for the unexpected is not just a choice but a necessity. Disability insurance can be a crucial shield against unforeseen life twists, such as illnesses or injuries that could impede your ability to work. According to Ramsey Solutions, one in four 20-year-olds will experience a disability before retirement age, underscoring the importance of being prepared. At Aaron Engle Law, we understand that navigating the complexities of disability insurance can be overwhelming. This article aims to demystify disability insurance, guiding you through its importan ..read more

When an individual becomes diagnosed with long-term injuries and debilitating illnesses that prevent them from returning to work for months or even years, they will be able to claim long-term disability benefits. The terms and conditions of these plans and benefits can be complicated, making it crucial to know what happens when an employee goes on long-term benefits. Long-term disability is a form of insurance that offers an employee a portion of their earnings, usually 50% to 75%, during a recovery period from an illness or accident that isn’t work-related. Frequent reasons for receiving lo ..read more

“What is disability insurance?” This question is more than just a query; it’s a gateway to securing your financial well-being. At Aaron Engle Law, we recognize the immense value of disability insurance in safeguarding your income during unexpected life events. In this article, we’ll explore the purpose, benefits, and functionality of disability insurance, offering you the knowledge to navigate this crucial aspect of financial planning. Join us as we demystify disability insurance, ensuring you’re empowered to face life’s uncertainties with confidence and clarity. What Is Disability Insuran ..read more

Are you wondering, ‘When does my health insurance expire?’ You’re not alone. Navigating the complexities of health insurance coverage end dates can be challenging, especially during life transitions. At Aaron Engle Law, we understand the importance of staying informed about your health benefits. Whether you’re leaving a job, considering dependent coverage, or simply curious about your policy’s expiration date, this article sheds light on key aspects of health insurance duration. Read on to discover vital insights that can protect you and your loved ones from unforeseen gaps in coverage. Wh ..read more

Facing the uncertainty of what happens to long-term disability coverage if you lose your job can be daunting. At Aaron Engle Law, we understand the complexities surrounding long-term disability insurance and employment separation.   This article delves into the critical aspects of how long-term disability works through an employer insurance company and the legal nuances when an employee goes on long-term disability only to find themselves without a job.  Whether you’re navigating these waters now or planning for the future, our insights aim to clarify your rights and options i ..read more

People who depend on long-term disability benefits often wonder if their disability benefits continue after they have been separated from employment. It’s an important question when you need those benefits to pay your bills, buy groceries, and stay in your home.  Overview of Long-Term Disability For those who are unable to work due to a chronic illness or accidental injury that prevents them from getting better quickly, long-term disability benefits provide a safety net. These benefits can give you a reliable source of income replacement, often a portion of your pre-disability wages, to ..read more

Many employers offer short term disability benefits for their employees.  Some employees in the Seattle area have their short-term disability through Prudential, Hartford, Lincoln, or Reliance Standard, among other companies.  Sometimes, these companies are just the claim administrator and other times they are the payor or insurer as well as the claim administrator.  Short-Term Disability seeks to give people the financial assistance they require when facing difficult situations like being in a car collision, suffering a fall, or getting surgery. Understanding the specifics of ..read more

Should I hire a long-term disability attorney? If you are applying for long-term disability benefits and especially if your LTD claim has been denied, the answer is yes. People often think that they can handle legal problems on their own. However, long-term disability cases have many landmines and traps for the inexperienced or unwary. There is too much on the line for these cases to be handled by anyone other than a battle tested attorney. The legislation governing LTD claims is too complicated and the case law is filled with cases where people tried to do things on their own or hired an ine ..read more

Long term disability vs long term care both aid in income and/or asset protection, but they accomplish different goals. Disability insurance (DI) replaces a portion of the income you would have lost from being unable to work. The qualifying disability or medical condition may be general (unable to perform any job) or task-specific (preventing you from performing your specialized work). A portion or all of the expenditures of caregiving required due to a physical or mental disability are covered by long term care insurance (LTCI). Costs for care obtained at home, in assisted living or nursing ..read more