Q. Why have my benefits been denied? A. Answer Q. I just received a letter denying my benefits. Do I have to appeal before I can file a lawsuit? A. Answer Q. What is the difference between a disability insurance policy provision insuring one’s “own occupation” versus “any occupation”? A. Answer Q. What is ERISA? A. Answer Q. Helpful ERISA Terminolgy. A. Answer Q. What is the "Standard of Review", and how does it affect my claim? A. Answer