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Understanding ERISA Preemption: How Federal Law Can Impact Your Disability Insurance Rights ERISA

Understanding ERISA Preemption: How Federal Law Can Impact Your Disability Insurance Rights

When policyholders file a disability insurance claim, they often assume that state law consumer protections—like…

admin971221455April 15, 2025

What You Need to Know About Fighting Disability Insurance Bad Faith Disability Insurance

What You Need to Know About Fighting Disability Insurance Bad Faith

Disability insurance is a type of insurance policy that provides financial support to individuals who…

admin971221455April 4, 2023

Coronavirus (Covid-19) and Disability Insurance Disability Insurance

Coronavirus (Covid-19) and Disability Insurance

Fears of the Corona Virus have sent global economies and stock markets into a tailspin.…

admin971221455April 1, 2023

What? I’m being sued by my insurance company? Disability Insurance

What? I’m being sued by my insurance company?

The broad question is what are the things you have to watch out for when…

admin971221455April 1, 2023

Does ERISA help you or hurt you? Disability Insurance

Does ERISA help you or hurt you?

The broad question is what are the things you have to watch out for when…

admin971221455April 1, 2023

Thinking of Selling Your Practice? California Long Term DisabilityDisability InsuranceLong Term DisabilityPartial DisabilityTotal Disability

Thinking of Selling Your Practice?

We have found through our experience, often Doctors and Dentists with health issues, work through…

admin971221455April 1, 2023

Why First Responders Fire Fighters, ER Physicians and Nurses Should Read Their Long Term Disability Policies Carefully California Long Term DisabilityDisability InsuranceLong Term Disability

Why First Responders Fire Fighters, ER Physicians and Nurses Should Read Their Long Term Disability Policies Carefully

First responders, such as firefighters, nurses, and doctors often have Long Term Disability Insurance included…

admin971221455April 1, 2023

Athletes, Doctors, Engineers, Executives, and Financial Advisors before purchasing long-term disability insurance. READ THIS. California Long Term DisabilityDisability InsuranceERISALong Term DisabilityPartial DisabilityTotal Disability

Athletes, Doctors, Engineers, Executives, and Financial Advisors before purchasing long-term disability insurance. READ THIS.

Doctors, dentists, investment advisers, athletes, entertainers, CPAs, company executives, business owners and all other high…

admin971221455April 1, 2023

What Forbes Missed on Coronavirus and People with Disabilities Disability Insurance

What Forbes Missed on Coronavirus and People with Disabilities

There is a very good article that appeared in forbes.com entitled: 5 Things to know…

admin971221455March 30, 2023

Disabling Medical Conditions Case Studies

Disabling Medical Conditions

A wide range of Medical Conditions often causing Long Term Disability, including illness, accident, injury…

admin971221455March 29, 2023

Case Studies Case Studies

Case Studies

Banker | Own Occupation CEO | ERISA Court Reporter CPA | Financial Planner Dentist Doctor…

admin971221455March 29, 2023

ERISA – Athletes ERISA

ERISA – Athletes

Long Term Disability Risks for Professional Athletes It is no secret that serious and permanent…

admin971221455March 29, 2023

ERISA Warning ERISA

ERISA Warning

What is ERISA ? ERISA is a law that strips all policyholders (who purchase their…

admin971221455March 29, 2023

ERISA Disability Insurance Purchased at the Workplace ERISA

ERISA Disability Insurance Purchased at the Workplace

admin971221455March 29, 2023

CIGNA Insurance Survival TipsLTD Policies

CIGNA

Getting the Long Term Disability Benefits You are Owed CIGNA has once again been reviewed…

admin971221455March 29, 2023

Your Right to Obtain a Copy of Your Policy Insurance Survival TipsLTD Policies

Your Right to Obtain a Copy of Your Policy

Often, at some point over the years, a policyholder misplaces, loses, or damages his copy…

admin971221455March 29, 2023

Corresponding with Your Insurance Company Insurance Survival TipsLTD Policies

Corresponding with Your Insurance Company

Before corresponding with your insurance company, become familiar with the terminology, limitations and exclusions used…

admin971221455March 29, 2023

How to Talk Back to Your Insurance Company Insurance Survival TipsLTD Policies

How to Talk Back to Your Insurance Company

What you do and say can make a huge difference in the outcome of your…

admin971221455March 29, 2023

What To Look For/Look Out For : Disability Insurance Insurance Survival TipsLTD Policies

What To Look For/Look Out For : Disability Insurance

If you have had to modify your work schedule or have been out of work…

admin971221455March 29, 2023

Purchasing Disability Insurance Checklist Insurance Survival TipsLTD Policies

Purchasing Disability Insurance Checklist

The evaluation and purchase of long term disability insurance is more complex than most insurance…

admin971221455March 29, 2023

Insurance Survival Tips LTD Policies

Insurance Survival Tips

Insurance companies go out of the way to advertise how fast, neighborly, generous, kind, understanding,…

admin971221455March 29, 2023

So You Thought You Had Disability Insurance LTD Policies

So You Thought You Had Disability Insurance

So You Thought You Had Disability Insurance About Long Term Disability Insurance: Insurance companies are…

admin971221455March 29, 2023

Navigating the Insurance Claim Maze LTD Policies

Navigating the Insurance Claim Maze

Over the years we have seen every conceivable problem that can arise with a long-term…

admin971221455March 29, 2023

Long Term Disability Insurance Definitions LTD Policies

Long Term Disability Insurance Definitions

Accidental Death & Dismemberment (AD&D) Benefit – An optional benefit that provides a fixed lump sum…

admin971221455March 29, 2023

Recovering Long Term Disability Benefits, Costs, and Damages Long Term Disability ClaimsLTD Policy Information

Recovering Long Term Disability Benefits, Costs, and Damages

If your disability insurance claim has been unfairly denied, your insurance carrier may be responsible…

admin971221455March 29, 2023

Long Term Disability Insurance Policy Buyouts Long Term Disability ClaimsLTD Policy Information

Long Term Disability Insurance Policy Buyouts

The term long term disability (LTD) insurance “buyout” in Total Disability cases is where the…

admin971221455March 29, 2023

Social Security Set-Offs Long Term Disability Claims

Social Security Set-Offs

Many long term disability insurance policies contain set-off provisions for Social Security benefits. These provisions,…

admin971221455March 29, 2023

Total Disability vs. Residual Disability Long Term Disability ClaimsLTD Policy Information

Total Disability vs. Residual Disability

Many long term disability insurance policies contain provisions regarding both Total and Residual (Partial) Disability…

admin971221455February 17, 2023

Own Occupation Disability Insurance Long Term Disability ClaimsLTD Policy Information

Own Occupation Disability Insurance

Own Occupation Disability Insurance pays benefits if the claimant is not able to perform the…

admin971221455February 17, 2023

Ten Things Your Insurance Company May Not Want You to Know Long Term Disability ClaimsLTD Policy Information

Ten Things Your Insurance Company May Not Want You to Know

Because Own Occupation Disability Insurance can be confusing and contradictory and because most claimants and…

admin971221455February 17, 2023

Do You Need Help with Your Long Term Disability Benefits Claim? Long Term Disability ClaimsLTD Policy Information

Do You Need Help with Your Long Term Disability Benefits Claim?

Whether you’re applying for Long Term Disability benefits or your claim has been denied, contact…

admin971221455February 17, 2023

Dealing with a Long Term Disability Claim Long Term Disability ClaimsLTD Policy Information

Dealing with a Long Term Disability Claim

Who should I talk to if I think I have a problem? Well, often a…

admin971221455February 17, 2023

When To Contact A Long Term Disability Attorney Long Term Disability ClaimsLTD Policy Information

When To Contact A Long Term Disability Attorney

And How and When Not to… Knowing “when” to seek legal counsel from a disability…

admin971221455February 17, 2023

Disability Insurance FAQs Long Term Disability ClaimsLTD Policy Information

Disability Insurance FAQs

Do you have questions about your insurance claim? Check our Frequently Asked Questions first! Yes.…

admin971221455February 17, 2023

Is Your Denial Bad Faith? Long Term Disability ClaimsLTD Policy Information

Is Your Denial Bad Faith?

When to Contact a Bad Faith Lawyer Some states have established laws protecting consumers against bad…

admin971221455February 17, 2023

Top Ten Reasons for LTD Insurance Denial LTD Policy Information

Top Ten Reasons for LTD Insurance Denial

Beware of these Top Ten tactics used by the insurance companies to deny or underpay…

admin971221455February 17, 2023

Underpayment Offers from Long-Term Disability Insurance Companies Long Term Disability

Underpayment Offers from Long-Term Disability Insurance Companies

Underpayment of claims is, sadly, a very common practice. One of the typical methods of…

admin971221455July 16, 2021

Psychiatric Disability Paper Review Finds Aetna Abused Discretion Kuntz v Aetna Long Term Disability

Psychiatric Disability Paper Review Finds Aetna Abused Discretion Kuntz v Aetna

In Kuntz v Aetna, 2013, the Federal Court found that for Aetna abused its discretion…

admin971221455July 11, 2021

California Long Term Disability Bad Faith Law – A Fair Deal for Policyholders Long Term Disability

California Long Term Disability Bad Faith Law – A Fair Deal for Policyholders

So what do you really think. Ray Bourhis? If an insurance company defrauds or cheats…

admin971221455July 11, 2021

Drug and Alcohol Addiction – Long Term Disability Long Term Disability

Drug and Alcohol Addiction – Long Term Disability

  Drug or alcohol addiction or abuse is clearly a disabling condition qualifying for long…

admin971221455July 11, 2021

The Real Definition of And How Residual Disability Deprives Claimants of their Rightful Benefits Long Term Disability

The Real Definition of And How Residual Disability Deprives Claimants of their Rightful Benefits

While every Long-Term Disability (LTD) policy includes a definition of total disability, many states (including…

admin971221455July 11, 2021

Premiums, Taxes and Fees…What you Need to Pay Now, and after LTD Payments begin; and What you Might Expect to Owe the IRS Long Term Disability

Premiums, Taxes and Fees…What you Need to Pay Now, and after LTD Payments begin; and What you Might Expect to Owe the IRS

Warning: Financial Planners Important Information for Financial Planners : Long Term Disability from Ray Bourhis on Vimeo. Premiums…

admin971221455July 11, 2021

Understanding Present Value Calculations Long Term Disability

Understanding Present Value Calculations

By Ray Bourhis and Alexander MacDougall The issue of determining the present value (PV) of…

admin971221455July 11, 2021

Understanding Punitive Damages in Long Term Disability Cases Long Term Disability

Understanding Punitive Damages in Long Term Disability Cases

Punitive damages are damages that can be awarded in a law suit with the intention…

admin971221455July 11, 2021

Before You File Your Long Term Disability Claim Long Term Disability

Before You File Your Long Term Disability Claim

By Ray Bourhis and Alex MacDougall When you first learn that you have a disability…

admin971221455July 11, 2021

Long Term Disability Benefits – Leaving Money on the Table Long Term Disability

Long Term Disability Benefits – Leaving Money on the Table

THE RISK OF UNDER SETTLING YOUR CLAIM By Alexander MacDougall, Attorney with Bourhis Law Group,…

admin971221455July 10, 2021

Own Occupation Insurance Policies Long Term Disability

Own Occupation Insurance Policies

Own Occupancy Insurance is a policy that is sold that covers someone if he or…

admin971221455July 10, 2021

Partial Long-Term Disability Benefits: hard to define in California Long Term DisabilityPartial Disability

Partial Long-Term Disability Benefits: hard to define in California

For surgeons and other physicians, partial long-term disability benefits may seem like a good solution…

admin971221455July 10, 2021

Beware of the “Partial” Long-Term Disability Claim Long Term DisabilityPartial Disability

Beware of the “Partial” Long-Term Disability Claim

Disabilities and the people who suffer them come in all shapes and sizes. Typical occupations…

admin971221455July 10, 2021

Why Long-Term Disability Insurers Say “No” Long Term Disability

Why Long-Term Disability Insurers Say “No”

A long list of reasons to say no……. There is, sadly, a long list of…

admin971221455July 10, 2021

Business Owners, CEOs, Financial Officers and Other Professionals Holding Own Occupation Long Term Disability Insurance in California California Long Term Disability

Business Owners, CEOs, Financial Officers and Other Professionals Holding Own Occupation Long Term Disability Insurance in California

Business owners, manager, and executives that find themselves unable to work are often faced with…

admin971221455July 10, 2021

California System Administrators, Internet Technology and Data Analysts California Long Term Disability

California System Administrators, Internet Technology and Data Analysts

Technology continues to evolve disability insurance claims for computer and data professionals.  From migraine headaches…

admin971221455July 10, 2021

Help for Disabled Doctors, Dentists and Healthcare Professionals California Long Term Disability

Help for Disabled Doctors, Dentists and Healthcare Professionals

Medical practitioners in the State of California are deemed totally disabled under the Any Occupation…

admin971221455July 10, 2021

California Long Term Disability Lawyer California Long Term Disability

California Long Term Disability Lawyer

Are you a California Long Term Disability insurance claimant suffering from disabling conditions that affect…

admin971221455July 10, 2021

Surveillance Practices in Long Term Disability Cases Long Term Disability

Surveillance Practices in Long Term Disability Cases

At Bourhis Law Group, PC, we often receive calls from claimants scared that they are…

admin971221455July 10, 2021

Calculating the Long Term Disability Buyout Long Term Disability

Calculating the Long Term Disability Buyout

If your long-term disability insurance claim has been approved, you are receiving monthly benefits provided…

admin971221455July 10, 2021

The Worst Super Bowl Injury ERISA

The Worst Super Bowl Injury

What is the worst football injury you ever saw? Rashad Johnson, free safety for the…

admin971221455July 10, 2021

Covid-19 Business Interruption Insurance Coverage Announcement Uncategorized

Covid-19 Business Interruption Insurance Coverage Announcement

Business owner closes shop because of the Covid-19 closures and social distancing measures. The coronavirus…

admin971221455July 10, 2021

How to Prepare for Your ERISA Appeal ERISA

How to Prepare for Your ERISA Appeal

1.     Once you have received your denial or termination of benefits letter from…

admin971221455July 10, 2021

7 Valuable Lessons Our Lawyers Learned From the Montecito Debris Flow Litigation Uncategorized

7 Valuable Lessons Our Lawyers Learned From the Montecito Debris Flow Litigation

We learned that many carriers were going to behave as they traditionally do, by denying…

admin971221455July 10, 2021

COVID-19 Business Interruptions Uncategorized

COVID-19 Business Interruptions

If you’re looking to file a Business Interruption (BI) claim, you may be curious as…

admin971221455July 10, 2021

Chronic Fatigue Medical Conditions

Chronic Fatigue

Among common and often misdiagnosed conditions, Chronic Fatigue is one of the most complicated, potentially…

admin971221455December 29, 2015

Chronic Pain Syndrome (CPS) Medical Conditions

Chronic Pain Syndrome (CPS)

Chronic Pain Syndrome (CPS) both a common, and difficult, diagnosis that often results in disability…

admin971221455November 29, 2015

Complex Regional Pain Syndrome (CRPS) Medical Conditions

Complex Regional Pain Syndrome (CRPS)

Complex regional pain syndrome, CRPS, is characterized by inflammatory redness, warmth and swelling caused by…

admin971221455October 29, 2015

Bipolar-Depression Medical Conditions

Bipolar-Depression

Bipolar-Depression is characterized by periods of extreme euphoria followed by bouts of severe depression (cyclic…

admin971221455September 29, 2015

Epilepsy Medical Conditions

Epilepsy

Epilepsy is a disorder of the brain that causes repeated seizures over a period of…

admin971221455August 29, 2015

Cancer Medical Conditions

Cancer

Long-term disability due to cancer is a disease requiring specific and detailed documentation due to…

admin971221455August 29, 2015

COPD Disability – Emphysema Medical Conditions

COPD Disability – Emphysema

Emphysema – COPD Disability is a deterioration of the lungs (alveoli) most commonly caused by…

admin971221455July 27, 2015

Auto Immune Diseases Medical Conditions

Auto Immune Diseases

Auto Immune diseases include more than 100 diagnoses, all of which are potentially disabling. Autoimmunity…

admin971221455June 29, 2015

Psychiatric Conditions Medical Conditions

Psychiatric Conditions

Disabling psychiatric conditions typically include such conditions as clinical depression, bi-polar disorder, phobias and compulsive…

admin971221455May 24, 2015

Fibromyalgia and the Long Term Disability Insurance Claim Medical Conditions

Fibromyalgia and the Long Term Disability Insurance Claim

The main components of a fibromyalgia (or any) disability case are: (1) establishing that you…

admin971221455May 15, 2015

Spinal and Back Injuries Medical Conditions

Spinal and Back Injuries

Spinal and back injuries are among the most common areas of disputes between policyholder and…

admin971221455April 8, 2015

Tinnitis – Menniere’s Disease Medical Conditions

Tinnitis – Menniere’s Disease

Ringing in the ears, or tinnitis, is a common condition caused by a variety of…

admin971221455March 29, 2015

Migraine Headache Medical Conditions

Migraine Headache

Disabling headaches not due to other causes are most often migraine. Migraine headache symptoms often…

admin971221455March 29, 2015

Heart Disease – Long Term Disability Medical Conditions

Heart Disease – Long Term Disability

Cardiovascular (heart) disease is the #1 cause of disability and death in the United States.…

admin971221455March 29, 2015

Brain Injury – Head Injury (TBI) Medical Conditions

Brain Injury – Head Injury (TBI)

Head injury is a potentially-disabling condition that may include the head, brain, scalp and skull.…

admin971221455January 29, 2015

Top 5 Home Insurance Lawyers In Vero Beach In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Vero Beach In 2025

Finding the best home insurance lawyers in Vero Beach can be challenging. To make it…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In Tampa In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Tampa In 2025

Finding the best home insurance lawyers in Tampa can be challenging. To make it easier,…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In Sarasota In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Sarasota In 2025

Finding the best home insurance lawyers in Sarasota can be challenging. To make it easier,…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In San Diego In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In San Diego In 2025

Finding the best Home Insurance lawyers in San Diego can be challenging. To make it…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In Phoenix In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Phoenix In 2025

Finding the best home insurance lawyers in Phoenix can be challenging. To make it easier,…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In Orlando In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Orlando In 2025

Finding the best home insurance lawyers in Orlando can be challenging. To make it easier,…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In Miami In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Miami In 2025

Finding the best home insurance lawyers in Miami can be challenging. To make it easier,…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In Houston In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Houston In 2025

Finding the best home insurance lawyers in Houston can be challenging. To make it easier,…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In Honolulu In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Honolulu In 2025

Finding the best home insurance lawyers in Honolulu can be challenging. To make it easier,…

cms_adminMay 9, 2025

Top 5 Home Insurance Lawyers In Florida In 2025 Auto Accident Lawyer

Top 5 Home Insurance Lawyers In Florida In 2025

Finding the best home insurance lawyers in Florida can be challenging. To make it easier,…

cms_adminMay 9, 2025