Shawn E. McDermott
LATEST ARTICLES BY: Shawn E. McDermott
Understanding how short-term disability insurance works
Short-term disability insurance protects workers in Colorado by providing them with a significant portion of their salary if they cannot work due to illness or injury that is not incurred on the job. Benefits generally are 40% to 80% of your salary before the illness…
Will my long-term disability insurance cover mental health?
The importance of good mental health has become a hot topic in recent years. Many employers and schools are now approaching mental health in the same way they do physical health. But are insurance companies doing the same, especially when it comes to claiming disability?…
Some reasons why life insurance claims get denied
Many adults living in Colorado like knowing that life insurance provides them with certain protections. Unfortunately, not everyone who needs it can qualify for it. Sometimes, insurance companies will deny claims. To learn more about why this happens, here are three reasons why life insurance…
ERISA and its impact on your health plans
Many health plans in the private sector are under the umbrella of the Employee Retirement Income Security Act, or ERISA, which is a federal tax and labor law. It originally outlined the minimum standards for private industry pension plans. Today, ERISA is a major advocate…
Is my disability plan governed under ERISA?
Group disability coverage typically falls under the ERISA umbrella if the conditions fit the criteria. Plans come with tried and true guidelines but the impact of the Colorado court can mold how claims get interpreted. What is ERISA? A federal law enacted in 1974, the…
LTD insurance: Own occupation versus any occupation claims
Long-term disability claims in Colorado can be challenging. Maneuvering the disability claims process requires an essential understanding of a number of factors. One important issue is knowing the distinction between own occupation disability insurance versus any occupation disability insurance. Own occupation disability insurance Own occupation…
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