When is a Group Long-Term Disability Insurance Plan Not an ERISA Plan? When it’s Established and Maintained by a Church to Qualify as an ERISA-exempt Church Plan – That’s When

You know church can be very good for you, but you probably never contemplated that church could help you in ways other than spiritually.  Let’s say you find yourself in this position:  you become disabled,  work for a church-related employer and now want to make a...

How do disability benefits from Social Security, the State or from Workers’ Compensation affect your claim?

Most group long-term disability policies and employer-sponsored long-term disability plans include a provision called “Offsets,” “Other Income Benefits,” “Income Which Will Reduce Your Disability Benefit,” “Deductible Sources of Income” or a similar name.  These...