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By Sandstone Law Group
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December 10, 2025 | Employer Benefits
Layoff Notices & Employee Benefits: A Strategic Guide for California & Arizona Tech Professionals
The 60-day WARN notice sitting in your inbox isn’t just a courtesy—it’s a countdown clock on your employee benefits. Your...
December 2, 2025 | Employer Benefits
The Severance Agreement Trap: What Tech Employees Need to Know About Protecting Disability Benefits During Layoffs
Severance agreements can permanently forfeit disability benefits worth $500,000 to $2 million unless you negotiate specific carve-outs before signing. Most...
November 19, 2025 | Employer Benefits
Working While Disabled: When Layoff Anxiety Meets Health Challenges for Tech Employees
You’re managing a chronic health condition while your company announces another round of cuts. The pain is worsening, your cognitive...
November 13, 2025 | Employer Benefits
Tech Layoffs and Long-Term Disability: What Happens When You Lose Your Job While on LTD Benefits?
Your long-term disability benefits usually continue even if you’re laid off—but only if your disability began while you were still...
October 28, 2025 | Long-Term Disability
Own Occupation vs. Any Occupation: Understanding Your Disability Policy Definition
The terms “own occupation” vs. “any occupation” are not just technicalities in your disability insurance policy. These definitions determine if...
October 16, 2025 | Long-Term Disability
How Important are Medical Records to Your Disability Claim?
Your medical records are the single most important element of your disability claim. Clear, detailed medical documentation provides the essential proof...
October 14, 2025 | Long-Term Disability
What is the Difference Between Group and Individual Disability Insurance Denials?
The main difference between group and individual disability insurance is who controls the policy and what laws govern it. Understanding...
October 6, 2025 | Long-Term Care Insurance
Premium-Rate Litigation & the NAIC Multistate Framework
Long-term care insurance policyholders across the country are facing an unprecedented crisis. Insurance companies that sold policies decades ago are...
October 6, 2025 | Long-Term Disability
How to Complete Disability Paperwork So You Don’t Get Denied Benefits
Completing disability paperwork so you don’t get denied benefits requires thorough preparation, precise documentation, and understanding what insurance companies look...
October 6, 2025 | Long-Term Disability
Can I Fight a Disability Denial on My Own?
Fighting a disability denial on your own could lead to costly mistakes that further delay the benefits you need. Experienced...
October 6, 2025 | Long-Term Care Insurance
What Is a Third-Party Administrator in Long-Term Care Insurance?
A third-party administrator (TPA) in long-term care insurance is a company hired by an insurance company to handle administrative tasks...
September 26, 2025 | Insurance Bad Faith
The Most Common Bad Faith Tactics in Long-Term Care Insurance Denials
Purchasing a long-term care (LTC) insurance policy should provide peace of mind in the face of future care needs. Yet,...