Why is it so difficult to get long term disability benefits? (Video)


The federal statute known as ERISA shields insurance companies from liability. However, there is some progress being made. Some 26 states at this point in time have passed legislation that disallows the discretion that’s given to insurance companies in deciding these claims. In the future, claims will be decided on a more reasonable basis by judges, most likely federal judges. Insurance companies are fighting this and they’re resisting the change. I think we can expect change is good.

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