No one wants to get a letter from the insurance company that contains a denial of short-term disability benefits. Unfortunately, it’s not a rare occurrence. Many people with legitimate disability insurance claims receive a denial and then have to appeal their insurer’s decision. If you’re thinking about filing an appeal with your short-term disability carrier, you need to have a plan — otherwise, you may make mistakes that reduce or eliminate your benefits. If your short-term disability benefits are employer-funded, a federal law called ERISA (Employee Retirement Income Security Act of 1974) applies to your claim. This law sets out […]
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