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By Brian Patrick Bronson, Esq. Why Job Descriptions, Specialty Language, and ICD Codes Matter Filing a disability claim as a physician is not the same as filing one in any other profession. Medicine is divided into dozens of specialties, each with unique demands. Yet insurers often reduce “orthopedic surgeon,” “interventional pain specialist,” or “cardiac electrophysiologist”…
By Brian Patrick Bronson, Esq. If an illness or injury leaves you unable to work, your employer may offer Long-Term Disability (LTD) insurance—typically covering 50–70% of your salary. As you begin exploring your benefits, you might hear the term ERISA mentioned frequently. So what is ERISA, and why does it matter? Understanding ERISA ERISA stands for the Employee…
Written by Brian Patrick Bronson, Esq. Who Qualifies These insurance policies are a little known benefit available to most employees through their employer. About half of large and mid-sized employers offer it to their workers. The injury or illness need not be work related. Short- and Long-Term Disability benefits are a monthly benefit (usually 60 percent…
When you start a new job in Pennsylvania, you will likely sit down with someone from human resources who will explain a plethora of benefits available to you. While you may see the need for medical benefits or life insurance, one benefit you may decide to opt out of is long-term disability insurance, especially if…
“In the state of Pennsylvania, Short-Term and Long-Term Disability insurance coverage are not mandatory insurance coverages, such as Workers’ Compensation. Therefore, it is dependent on your employer to carry such coverage, or for you to purchase an individual policy on your own from an insurance carrier. Usually, you can find out whether your employer offers…
