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ERISA

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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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…

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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). Established in 1974, ERISA sets minimum standards for private industry to protect individuals in pension and health plans. ERISA requires plans to provide participants with essential information about various aspects of their protection, benefits and rights to sue…

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The difference between ‘Any Occupation’ and ‘Own Occupation’

Own Occupation & Any Occupation In Long Term Disability Insurance The Misunderstood ‘own occupation’ & ‘any occupation’ definitions in Long Term Disability Insurance policies. Own occupation is typically defined in most insurance contracts as your job as it appears in the national economy. So if your particular job has a feature in it that most…

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What is the difference between Social Security (SS) and Long Term Disability (LTD)

What is the difference between social security and long term disability? Long term disability is an insurance benefit typically provided by your employer as an employee benefit. The LTD plan document will lay out all the terms and conditions you must meet to receive disability insurance if you become disabled. Long Term Disability Insurance will…

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