Disability Insurance and Erisa

Here is a link to a very detailed blog about disability insurance http://cleascam.blogspot.com/.  Although this blog is about a specific company, California Law Enforcement Association that only serves police and fire in California, it discusses some common issues with disability insurance.

Many disability plans are governed by ERISA, which can be a nightmare of restrictions and rules that protect insurance companies.  This blog discusses some of the dangers and pitfalls you might encounter when trying to collect a legitimate disability claim.  These plans are so restrictive it might be best for you to opt out of an employee sponsored plan and seek disability insurance on your own.  Take a look at the blog and decide for yourself what is the best course of action.  But whatever you do, make sure you have disability insurance, it is one of the best investments you can make to protect you and your family.