Our ERISA library articles take an in-depth look at a variety of issues and concerns related to employer-provided long-term disability insurance. We examine the federal law that is supposed to protect employees, discuss the complicated process of filing an appeal, and take a look at some common exclusions and restrictions in typical LTD policies to help our readers gain a better understanding of their legal rights.
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Long-Term Disability Insurance Could Be a Lifesaver—or a Major Headache If you have a long-term disability insurance policy or are considering purchasing a plan, it’s important that you understand what it does—and does not—do. -
You Will Have to Wait Several Months—or Longer—for a Long-Term Disability Approval It usually takes several months for the insurance company to review your application for long-term disability benefits. We explain when it might take longer. -
If You Don’t Understand the Terms of Your LTD Policy, You Might Be in for a Surprise Before filing a claim—or better yet, before purchasing a policy—make sure you understand what is covered and what is not. This will help when filing a claim. -
Was Your MetLife Long-Term Disability Claim Denied? Your Denial Letter Has Vital Information for Appeal The first step in determining if you can appeal a MetLife long-term disability claim denial is understanding the reasons for denial in the denial letter. -
Steps to Take to Appeal an Aetna Long-Term Disability Claim Denial If Aetna denied your claim for long-term disability, you can appeal the denial helped by an ERISA attorney. Learn how a skilled attorney will help. -
Why a Life Insurance Claim May Have Been Denied If your claim on a loved one’s life insurance policy was denied, you might be able to appeal under federal ERISA guidelines. Learn about denials and appeals. -
Does ERISA apply if I work for the government? If you requested disability benefits through a local, state, or federal government employer, appealing a denial won't be through the ERISA process. Learn why. -
Your Employee Benefits Must Adhere to Minimum Standards Established by ERISA Most voluntary employee wellness benefits offered by private companies must comply with federal regulations established by ERISA. Here's what you should know. -
Long-Term Disability Insurance Claim Denied? When to Talk to an ERISA Attorney Your long-term disability insurance policy may be covered by a federal law known as ERISA. If your claim is denied, go to an attorney who understands this law.