If your disability benefit claim is made under a plan sponsored by your employer, it is typically governed by the federal ERISA (Employee Retirement Income Security Act) law. In ERISA parlance, a “plan administrator” is the party that adjudicates benefit claims. For disability benefits, the plan administrator is typically the insurance company that issued the […]
The introduction of H.R. 3758, the Workers’ Disability Benefits Parity Act of 2025 a major milestone in advancing ERISA mental health disability parity and promoting equal treatment for mental health and substance use conditions in long-term disability (LTD) insurance. The bill builds on findings from the 2023 ERISA Advisory Council report titled Long-Term Disability Benefits and […]
Benefit plans governed by ERISA were designed to protect employees and their families during times of need. Yet when claims are denied, employees often find themselves navigating complex administrative appeals without adequate support or guidance… […]
Congress enacted the Employee Retirement Income Security Act (ERISA) law to protect . . . participants in employee benefit plans and their beneficiaries, by requiring the disclosure and reporting to participants and beneficiaries of financial and other information with respect thereto, by establishing standards of conduct, responsibility, and obligation for fiduciaries of employee benefit plans, and by providing for appropriate remedies, sanctions, and ready access to the Federal Courts. […]
The Employee Retirement Income Security Act (ERISA) affects millions of Americans with employer-sponsored benefits, but most don’t know until a claim is denied. ERISA is an acronym for the Employee Retirement Income Security Act, a law passed by Congress in 1974. The primary intent behind ERISA was to protect employees’ retirement benefits. [..]
Has your disability insurer failed to decide on your claim? Long delays can leave you without income when you need it most. ERISA sets strict deadlines to ensure claims are handled fairly. […]