From Erik’s Desk Blog

This is a friendly reminder from your LTD lawyers at to make sure you read and fully understand your disability insurance policy.

You may have noticed ERISA referenced in your denial letter or disability policy, but do you know what it means for your Long-Term Disability claim?

You are currently on claim receiving monthly long-term disability benefits and are either interested in, or have been offered, a lump sum buyout by the insurance company. But the question is: does a buyout make sense for you?

LTD insurance companies have been known to routinely subject their claimants to field investigations, surveillance, and “independent” examinations. Once you are awarded Social Security Disability (“SSD”) benefits, the Social Security Administration (“SSA”) does not regularly monitor your claim looking for ways to terminate benefits.