Frankel & Newfield, P.C.

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WE DO NOT HANDLE SOCIAL SECURITY DISABILITY CLAIMS

October 2017 Archives

What information must disability denial letters include?

When a person in New York needs disability benefits, the reasons why may seem obvious to them. After all, if an injury or illness keeps them from being able to work, they may find themselves losing out on lost wages along with mounting medical bills, and therefore they are in need of financial help. However, sometimes a person's claim for disability benefits is denied. That being said, when it comes to a denied claim, applicants have rights under federal law.

AETNA POLICYHOLDERS ADVISORY: HARTFORD WILL SOON BE YOUR DISABILITY INSURANCE COMPANY

Aetna has reported that it will sell its group life and disability business to The Hartford Group in a whopping $1.45 billion cash sale. Aetna's already working on what to do with all that cash, and if you have an Aetna disability insurance policy, you may have some homework to do as well.

How do long-term disability benefits compare to SSD benefits?

If a person in New York becomes disabled for an extended period of time and cannot work, he or she may rely on private long-term disability benefits to make ends meet financially. However, the federal government also provides disabled workers with Social Security disability benefits, if the worker qualifies. Therefore, it is important to understand how private long-term disability benefits compare to Social Security disability benefits.

What does short-term disability cover and when does it kick in?

It is known to most that workplace accidents in Garden City and nationwide can injure or kill workers, but the scope of the problem may surprise some. According to the AFL-CIO, as many as 150 workers lose their lives while at work each day, and annually there are between 7.4 million to 11.1 million workers who are injured on-the-job. In fact, the Council for Disability Awareness reports that one-quarter of workers in their 20s will suffer a disability before retiring.

Planning the financial future? Don't forget long-term disability

Many people in Garden City have taken steps to protect their financial futures. They've saved for retirement and purchased life insurance policies in case they died young. However, one aspect of financial planning that sometimes goes forgotten is planning for the possibility that one will have to leave the workforce early due to a disability.

We protect the rights of those with long-term disability claims

It only takes a split-second accident for a person in New York to become disabled. For some, it is due to a car crash, for some it's a fall, or for some it's through working with heavy machinery. When a person suffers a disabling injury, they may be very thankful that they have long-term disability insurance through their employer. However, navigating the long-term disability insurance landscape can be difficult.

The differences between short- and long-term disability policies

Many employers offer disability insurance as part of their sponsored insurance program. Workers may feel confused about the fact that there are both short-term disability policies, as well as long-term disability policies. Do people really need both? How do they differ? These are common questions, and understanding the answers can help you appreciate the value of both forms of insurance.

What are the timelines for an ERISA disability appeal?

When a person becomes too injured or ill to work, disability benefits can serve as a means for keeping them afloat financially. For those in Garden City who have disability benefits through their employer, it is important to understand that these benefits are protected by the Employee Retirement Income Security Act of 1974 (ERISA). There are laws and rules with regards to the processing of a claim for benefits and what a person can do if his or her claim for benefits is denied.

Basics of short-term disability

When you are involved in an accident that takes away your ability to work and make a living, filing a disability claim can restore a portion of your income. There is not a single disability claim, however, that covers all instances. Making the decision between long-term and short-term disability is a complicated process that requires a full understanding of each type.

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Frankel & Newfield, P.C.
585 Stewart Avenue
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Garden City, NY 11530

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