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Understanding ERISA

ERISA stands for the Employee Retirement Income Security Act of 1974, a federal law that sets minimum standards for insurance companies who provide health or disability insurance benefits as part of an employee benefit package. In other words, if you…

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Wills vs. Trusts: When Is a Trust a Good Idea?

Getting started on drafting an estate plan may seem daunting, but its importance can’t be overstated. A well-designed estate plan ensures your assets and property transfer as you want them to and it greatly reduces the time and stress your…

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What Is a Special Needs Trust?

If you have a child, spouse, or another loved one in your family with special needs, you know how important it is to ensure financial security for their future. Their ability to work and earn an income for themselves may…

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Levels of Appeal on a Denied Health Insurance Claim

Navigating the rules and limitations of your health insurance policy can be a daunting task, and understanding the process of appealing a denied claim is no exception. If you receive a claim denial letter from your health insurance company and…

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How to Appeal a Health Insurance Claim Denial

So, your health insurance company has denied your claim. You can—and should—appeal their decision, and here’s how to do it: Determine the Reason for Denial First, you must find out why the insurance claim was denied The insurance company is required…

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What You Need to Know about Health Insurance Claims

If your health insurance company refuses to pay for a medical service you've received or need to receive, you can and should fight back. Private health insurance companies, like every other kind of insurance company, are in the business of…

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