Disability Insurance - Q & A

More questions that I often get from clients and some submitted to the site. Submit your own and I'll try to answer it as soon as possible. Here's some of the latest questions I've answered, click the question for the answer.

Do state statutes of limitation apply to Federal lawsuits? So, under ERISA, would every lawsuit be filed in Federal court?

I accidentally told my LTD Company that I have an attorney that is reviewing my LTD claim.  Until now they did not know I had a lawyer.  Will this cause the insurance company to investigate my case more intensely?
  
About a year ago I slipped and fell at work, but my case was not diagnosed as a serious condition until six months later.  Now I am having trouble paying for my medication, getting a job (because of my condition) and keeping my job (because some days I can’t get out of bed. Would I qualify for Social Security Insurance?
   
I just starting receiving LTD payments, by way of my bank, and my bank is trying to take the money to pay a charged-off loan.  Is this legal?
   
I just found out from my disability claim reviewer that I should be receiving 60% of my pay instead of the 40% that I am currently receiving.  I am currently receiving Social Security Disability as well.  The numbers that they are quoting me don’t seem right and I am afraid that they will come after me in the future to get their money back.  What should I do?
   
What is the standard procedure for informing an insurance company of a retirement?  Will the fact that he is resigning/retiring have any impact on his claim?

For more information check out my Disability Insurance book titled Robbery Without A Gun: Why Your Employers Long-Term Disability Insurance Plan May Be A Scam