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LTD /ERISA disability benefits

Long term disability (LTD) / ERISA law have some issues that frequently arise when there is a denial of benefits by the insurance carrier. It is important to remember that the initial stages of applying for LTD benefits and communicating with the representative of the insurance carrier may seem straightforward and transparent and that the representative has your best interests at heart. Yet, the reality is that the insurance carrier's representative is acting on behalf of the insurance carrier. Click on the links at the right for additional insight and detail regarding some common themes and topics in LTD and ERISA benefits applications, denials of benefits and appeals.