Understanding Evidence of Insurability in Group Life Insurance: Employer Obligations and Employee Rights
DeBofsky Law
by Mark Debofsky
6d ago
Unlike individual life insurance, which requires rigorous underwriting to assess risk, group life insurance from employers does not require underwriting. Employers offering group life insurance allow new employees to enroll immediately without providing evidence of insurability (EOI). The reasoning is that a new employee is likely to be healthy, and the risk of adverse selection is low. [...] The post Understanding Evidence of Insurability in Group Life Insurance: Employer Obligations and Employee Rights appeared first on DeBofsky Law ..read more
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2 Rulings Show How Courts Assess Health Benefit Denials
DeBofsky Law
by Mark Debofsky
3w ago
There have been several important recent developments in how courts are assessing health benefit claims brought under the Employee Retirement Income Security Act. In Dwyer v. United Healthcare Insurance Co.,[1] a case involving a claim for residential behavior health treatment for an eating disorder, the U.S. Court of Appeals for the Fifth Circuit on Sept. […] The post 2 Rulings Show How Courts Assess Health Benefit Denials appeared first on DeBofsky Law ..read more
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Can I Pursue Disability Benefits While Also Alleging Disability Discrimination?
DeBofsky Law
by Mark Debofsky
3w ago
While it is not completely impossible to simultaneously seek disability insurance benefits while also alleging disability discrimination, doing so is fraught with peril for the reasons discussed below. [...] The post Can I Pursue Disability Benefits While Also Alleging Disability Discrimination? appeared first on DeBofsky Law ..read more
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Why Are Mental Health Disability Claims Denied More Often? Insights from Mark DeBofsky on Main & Wall
DeBofsky Law
by Mark Debofsky
1M ago
Mental health disability claims are denied far more frequently than physical disability claims, creating serious challenges for individuals seeking benefits. In a recent interview on Main & Wall, disability benefits attorney Mark DeBofsky shared his thoughts on why this disparity exists and what can be done about it. Drawing from his expertise, including his appointment by Illinois […] The post Why Are Mental Health Disability Claims Denied More Often? Insights from Mark DeBofsky on Main & Wall appeared first on DeBofsky Law ..read more
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Pension Annuitization – De-Risking or Added Risk?
DeBofsky Law
by Mark Debofsky
1M ago
Defined benefit (DB) pension plans used to be the prevalent form of retirement benefit offered by American employers to their employees. [...] The post Pension Annuitization – De-Risking or Added Risk? appeared first on DeBofsky Law ..read more
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Doctor Who Feared Contracting COVID Wins Disability Coverage
DeBofsky Law
by Mark Debofsky
1M ago
The post Doctor Who Feared Contracting COVID Wins Disability Coverage appeared first on DeBofsky Law ..read more
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How to Request Your ERISA Plan Documents: A Step-by-Step Guide
DeBofsky Law
by Martina Sherman
1M ago
The Employee Retirement Income Security Act (ERISA) was established in 1974 to protect employees’ rights to their benefits and provide transparency regarding their employee benefit plans. One of the key rights under ERISA is access to plan documents that outline the rules, benefits, and administration of your employer-sponsored retirement or health plan. [...] The post How to Request Your ERISA Plan Documents: A Step-by-Step Guide appeared first on DeBofsky Law ..read more
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6th Circ. Ruling Highlights Complexity Of ERISA Preemption
DeBofsky Law
by Mark Debofsky
1M ago
If you murder someone to collect their life insurance, are you barred from receiving the proceeds? That would seem to be a simple question, but it isn't if the Employee Retirement Income Security Act is in the picture. [...] The post 6th Circ. Ruling Highlights Complexity Of ERISA Preemption appeared first on DeBofsky Law ..read more
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Mark DeBofsky Quoted in Law360 on the Future of ERISA as it Turns 50
DeBofsky Law
by DeBofsky
2M ago
We are proud to announce that our founding attorney, Mark DeBofsky, was recently featured in a Law360 article titled '3 Atty Takeaways On What's Ahead As ERISA Turns 50.' [...] The post Mark DeBofsky Quoted in Law360 on the Future of ERISA as it Turns 50 appeared first on DeBofsky Law ..read more
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Disability Insurance Benefits for Neurodegenerative Diseases: Claimant’s Guide
DeBofsky Law
by Mark Debofsky
2M ago
Neurodegenerative diseases, such as Alzheimer's, Parkinson's, and multiple sclerosis, can severely impact an individual's ability to work. Neurodegenerative diseases make up a significant percentage of disability claims. [...] The post Disability Insurance Benefits for Neurodegenerative Diseases: Claimant’s Guide appeared first on DeBofsky Law ..read more
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