ERISA established certain rules governing life insurance plans offered by private employers. Whether
coverage is provided free of charge by an employer or an employee pays for coverage, filing for
benefits requires an understanding of how the plan is structured....
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Due to the combination of the high volume of claims and the detailed filing requirements,
the SSA denies about 60 to 70 percent of all initial claims. But an initial denial does
not signify the immediate end of a claim. There are many additional options you can pursue....
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