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ERISA

COVID induced POTS and Nervous system disorders

COVID Induced POTS Or Nervous System Disorders

Since the coronavirus pandemic began, we have seen an increase in COVID-19 long haulers who are now debilitated by COVID-induced POTS or Nervous system disorders. We have been appealing Long Term Disability Insurance denials for clients suffering from POTS (Postural orthostatic tachycardia syndrome) and other Nervous System Disorders for many years. And we have found …

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Long Term Disability & The Comorbidities Of EDS, POTS & MCAS

Over the years we have represented many clients in Long Term Disability Insurance claims for POTS (Postural orthostatic tachycardia syndrome)  or EDS (Ehlers-Danlos syndrome)or MCAS (Mast Cell Activation Syndrome). Then we started to notice a rise in cases where 2 or all 3 syndromes had been diagnosed. In 2016 Researchers found a genetic mutation that links Ehlers-Danlos …

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EHLERS-DANLOS SYNDROME & Long Term Disability

EHLERS-DANLOS SYNDROME & LTD Ehlers-Danlos syndrome (EDS) is a group of disorders that affect the connective tissues —  your skin, joints and blood vessel walls. Connective tissue provide strength and elasticity to the underlying structures in your body. According to the Genetic & Rare Diseases Information Center (GARD), There are 13 types of Ehlers-Danlos syndromes (EDS). You can view …

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Stiff Person Syndrome

Stiff person syndrome (SPS) Stiff person syndrome (SPS) is a rare, progressive syndrome that affects the nervous system, specifically the brain and spinal cord.  Although very rare (Stiff Person Syndrome affects only 1 in a million people), McDonald & McDonald has represented several Long Term Disability Insurance clients who have suffered from SPS. The cause of stiff person syndrome is unknown, …

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Requirements For Filing A Long Term Disability (LTD) Insurance Claim

What You Need To Know To File A Long Term Disability Claim Under ERISA: Q.   On what day did you become a plan member? This is very important because some plans require a waiting period before you become a plan member. The Plan may require you be employed 90 days before you become a …

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Sjögren’s Syndrome & Long Term Disability

Sjögren’s (“SHOW-grins”) Syndrome is a systemic autoimmune disease involving gland dysfunction that can affect the entire body. Because Sjögren’s Syndrome is an autoimmune syndrome, it is found more commonly in families that have members with other autoimmune illnesses. In autoimmune disorders, the immune system, which normally protects the body from infection and cancers, may cause …

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Have you heard of ERISA?

Have You Heard of ERISA? It’s important to have familiarity with the Employment Retirement Security Act (ERISA) if you receive employee benefits through your employer. Established in 1974, ERISA sets minimum standards for private industry to protect individuals in employee benefit plans, including pension and welfare benefit plans. Welfare benefit plans may include benefits in …

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Everything You Need To Know About Lupus

Systemic Lupus Erythematosus has been called The Great Pretender in certain medical circles. Here is some information on one of our most commonly represented illnesses. The Great Pretender Many people who suffer from Lupus go through long periods of misdiagnosis. Lupus can pretend to be many other illnesses, so depending on the symptoms, it is …

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ERISA Explained (The Employee Retirement Income Security Act)

What is ERISA In 1974 Gerald Ford signed the employee retirement income security act (ERISA) into law in the rose garden on labor day. It was truly a momentous occasion. If you’re old enough to remember what was happening in the economy back in the 70’s, you might remember that we had a lot of …

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How Can I Be Disabled Yet Still Denied My Disability Insurance Benefits?

How can I be disabled but still be denied my insurance disability benefits? This is really a good question and the person asking the question is typically the disabled person. You have a lot of scenarios where the individual literally, genuinely, feels like they’re not going to be able to work. If you wanted a …

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