If you receive disability insurance through your employer, you might assume that filing a claim will be straightforward. After all, you’ve paid for coverage—either directly or through your employee benefits package—and you need those benefits because a medical condition is preventing you from working.
Unfortunately, many employees discover that obtaining disability benefits through an employer-sponsored plan is far more complicated than expected. They may even find their ERISA disability claim denied.
Most employer-sponsored disability plans are governed by the Employee Retirement Income Security Act of 1974 (ERISA), a federal law that establishes rules for employee benefit plans. While ERISA was intended to protect workers, it also creates
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