If a person is covered by an ERISA governed employee benefit plan through a private employer, chances are that the plan is either self-funded or insured. What is the difference? Self-Funded Plans vs. Insured Plans: What is the Difference?...
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Long term disability insurers very often deny claims on what is called a pre-existing condition exclusion. While pre-existing condition exclusions are currently outlawed in most health insurance policies, they still exist in many, if not most, long term disability plans. In the below blog, attorney Ryan Alderson discusses what pre-existing condition exclusions are and how ...
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