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How Do I Transition My ERISA Disability Claim from Short-Term to Long-Term Disability?

How Do I Transition My ERISA Disability Claim from Short-Term to Long-Term Disability?

How Do I Transition My ERISA Disability Claim from Short-Term to Long-Term Disability? Summary Answer ▸  STD approval does not guarantee LTD approval — the two plans often have different…

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Why Is My Long-Term Disability Claim Taking So Long?

Waiting for a decision on a long-term disability (LTD) claim can be stressful — especially when you are dealing with a serious health condition and counting on that income. Unfortunately,…

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Can Insurance Companies Surveil You During an ERISA Disability Claim?

Summary: Yes. Under ERISA, insurance companies can and do monitor social media and conduct in-person surveillance of long-term disability claimants. A single photo, post, or video clip — even taken…

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Massachusetts District Court Awards LTD Benefits to Claimant with Dysautonomia, Finding Insurer Failed to Prove Mental Health Limitation Applied Under But-For Causation Standard

In DeMario-Miko v. United of Omaha Life Insurance Company, No. 1:24-cv-11058-IT, 2026 WL 948948 (D. Mass. Apr. 8, 2026), the United States District Court for the District of Massachusetts granted…

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Sun Life Defeats LTD Claim as Time-Barred: How a Policy’s Choice-of-Law Clause Determined the Limitations Period

In Gordon v. Sun Life Assurance Co. of Canada, No. 2:25-CV-11132-TGB-KGA (E.D. Mich. Mar. 31, 2026), United States District Judge Terrence G. Berg granted Sun Life's motion to dismiss an…

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Unum’s Denial of LTD Benefits for CBS News Producer with Long COVID Survives Summary Judgment — But So Does Her Claim

A federal district court in the Southern District of New York denied both parties' motions for summary judgment in DelValle v. Unum Group Corp., First Unum Life Insurance Company, No.…

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