Most readers of our blog across California might reasonably conclude that optimism is invariably a good thing. As a personal attribute, it fosters forward movement and provides energy that drives positive outcomes.
Multiple realities exist in California ERISA long-term disability cases, as repeatedly evidenced by varied outcomes in claim matters.
A host of questions can easily arise concerning employer-provided (ERISA) and private insurance policies offering protection against long-term illnesses and injuries.
A compelling argument can be made that virtually every worker in California and across the country needs the safeguards provided by long-term disability insurance. Federal government research reveals that about 25% of all Americans will suffer from disabling conditions prior to the age of 67. The financial ramifications in any case where that occurs can be dire, indeed, if insurance is not in place to provide adequate protection. Yet, legions of people ignore that reality.
The following summary of one woman's experience with her insurer in a long-term disability matter almost reads like a bad novel.