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Disability insurance can be a lifeline in terms of providing for loved ones if you are unable to work. At Kantor & Kantor LLP, our California disability attorneys represent employees in disability claims and benefit disputes, and while you may hope you will never have to use it, knowing you have this type of insurance in place provides financial security and peace of mind. When choosing between a group disability plan or individual insurance, it is important to be aware of the differences between the two, differences which could impact a future claim.
Disability insurance may be purchased from an independent provider, the same as any other type of insurance, or through a group policy offered at your place of employment. According to the Consumer Federation of America, the major difference between these policies include the following:
While an individual plan may seem like a better deal despite the higher costs, there are advantages to enrolling in a group plan. Group benefits plans are covered under the Employee Retirement Income Security Act (ERISA), which provides federal protections in the event you need to file a claim. If your claim is denied, ERISA requires your employer to have established grievance procedures, as well as procedures under which you may appeal any decision made in your case.
If you have questions regarding a disability claim or have had a claim denied, contact Kantor & Kantor LLP today. Our experienced benefit claims attorneys act as a strong legal advocate on your behalf, fighting for your rights and assisting you in getting the benefits you are entitled to. Call or contact our office online today to discuss the details of your case.
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