Wildfires have decimated swaths of California, leaving entire cities destroyed in their wake.  Many of the homeowners affected by these fires have found too late that they were dramatically underinsured and cannot rebuild or buy a similar home. In essence, their…

Group life insurance is a common benefit provided by employers to their workers. But unlike a private life insurance policy, your coverage is contingent on you remaining an employee. So when you stop working at that employer, what happens to…

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Medical records are an extremely important source of evidence in your disability claim. The records provide proof of the symptoms that disable you; they provide evidence of your treating provider’s opinion about your condition; and they provide proof of…

Your news feed is constantly cluttered with natural disasters – wildfires, hurricanes, and floods seem to have become part of our daily conversations. According to a recent study by the Institute for Economics and Peace, natural disasters on a global…

Why Do I Have to File a Lawsuit?
When an ERISA long-term disability appeal gets denied, the next step is, potentially, to file a lawsuit in federal district court. Some clients already know that they would like to settle their…

In 2017, 47,000 Americans died by suicide and 17.3 million adults suffered at least one major depressive episode. When I see statistics like those, my mind floods with a flurry of thoughts all at once:

• “Why?”
• “How many more have

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September is National Recovery Month and is an observance held every September to promote and support new evidence-based treatment and recovery practices, the emergence of a strong proud recovery community, and the dedication of service providers and community members across…