What are the different types of disability insurance cases?
Different types of disability insurance exist and different laws govern each. For example, employer-sponsored disability plans are regulated by ERISA (a set of federal laws established in 1974) and claims issues are handled by a special federal legal system. Privately held long-term disability plans, on the other hand, are typically handled in state courts. While insured individuals have the right to pursue litigation to recover losses in either case, disability insurance litigation is pursued differently in each case. See the chart below to learn about some of the key differences between disability litigation involving private insurance and employer-sponsored group plans.
