Long-Term Disability Insurance Claims: From Application to Federal Court

Long-term disability (LTD) insurance claims sit at the intersection of contract law, insurance law, and—frequently—federal ERISA law. Nearly half of all LTD claims arise under employer-sponsored group policies governed by the Employee Retirement Income Security Act of 1974 (ERISA), which imposes a highly restrictive administrative framework and limits litigation exclusively to federal court. Other LTD matters involve individual policies commonly purchased by professionals, as well as associati... More Info