How To Appeal An ERISA Long-Term Disability Denial
The Employee Retirement Income Security Act or ERISA governs employee benefits, such as long-term disability plans. Contrary to its original purpose, many purport that ERISA actually protects insurers more than it does claimants. To determine whether the law applies to your policy, you must establish where you purchase your policy. If you obtained it from a private insurer, state laws likely govern your policy; if it is an employer-provided policy, ERISA applies.