As an employee, it is essential to know and understand the benefits to which you are entitled through life, health and disability insurance – whether your coverage is through an individual policy or group coverage through your employer or association.

As an employer, you must understand whether the plan you have or the plan you may purchase provides the benefits you want your employees to have.

In over 25 years experience, I have represented life, health and disability carriers as either outside or in-house counsel. I have managed disability claims on behalf of the country's preeminent disability carrier and I have advised and consulted nationally-known employers on the structure, design and management of their life, health and disability programs.

Focusing now on the rights and responsibilities of smaller groups and individuals, I can help you understand your right and responsibilities in these important coverages and help protect your interests in enforcing those rights in the event of a dispute.

I have earned recognition as a Fellow in the International Society of Employee Benefit Specialists. This signifies successful completion of numerous exams and recertification of competency in current issues in the planning, administration and management of health, wellness, welfare and retirement benefits.