Cavalier Building, 95 White Bridge Rd., Ste. #250 | Nashville, TN 37205

cody@codyallison.com

       
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  • LTD Claims
    • What Is ERISA?
    • ERISA Claims
    • Long-Term Disability Claims
    • Own Occupation Vs. Any Occupation
    • Health Conditions
  • Life Insurance
  • About
    • Our Mission
    • Our Team
  • Resources
    • Long-Term Disability FAQs
  • Blog
  • Contact

615.234.6000

logologo
  • LTD Claims
    • What Is ERISA?
    • ERISA Claims
    • Long-Term Disability Claims
    • Own Occupation Vs. Any Occupation
    • Health Conditions
  • Life Insurance
  • About
    • Our Mission
    • Our Team
  • Resources
    • Long-Term Disability FAQs
  • Blog
  • Contact
logologo
  • LTD Claims
    • What Is ERISA?
    • ERISA Claims
    • Long-Term Disability Claims
    • Own Occupation Vs. Any Occupation
    • Health Conditions
  • Life Insurance
  • About
    • Our Mission
    • Our Team
  • Resources
    • Long-Term Disability FAQs
  • Blog
  • Contact
logologo
  • LTD Claims
    • What Is ERISA?
    • ERISA Claims
    • Long-Term Disability Claims
    • Own Occupation Vs. Any Occupation
    • Health Conditions
  • Life Insurance
  • About
    • Our Mission
    • Our Team
  • Resources
    • Long-Term Disability FAQs
  • Blog
  • Contact

615.234.6000

logologo
  • LTD Claims
    • What Is ERISA?
    • ERISA Claims
    • Long-Term Disability Claims
    • Own Occupation Vs. Any Occupation
    • Health Conditions
  • Life Insurance
  • About
    • Our Mission
    • Our Team
  • Resources
    • Long-Term Disability FAQs
  • Blog
  • Contact
logologo
  • LTD Claims
    • What Is ERISA?
    • ERISA Claims
    • Long-Term Disability Claims
    • Own Occupation Vs. Any Occupation
    • Health Conditions
  • Life Insurance
  • About
    • Our Mission
    • Our Team
  • Resources
    • Long-Term Disability FAQs
  • Blog
  • Contact
  • LTD Claims
    • What Is ERISA?
    • ERISA Claims
    • Long-Term Disability Claims
    • Own Occupation Vs. Any Occupation
    • Health Conditions
  • Life Insurance
  • About
    • Our Mission
    • Our Team
  • Resources
    • Long-Term Disability FAQs
  • Blog
  • Contact

Arguing a disability insurance claim

Long-Term Disability Claims

Non-ERISA LTD Claims

A non-ERISA LTD Policy is a policy the consumer purchased directly from a long-term disability insurance carrier.  A non-ERISA claim is not subject to the same strict ERISA fiduciary standards regarding exclusive benefits, but is subject to state law and other standards.  If your long-term disability policy is not subject to ERISA, your disability insurance claim will require a different course of action. 

There are very few exceptions for a group policy not to be governed by ERISA and those are individuals who work for governmental entities (local, county, city, state or federal), church plans (religious organizations), and if you purchase a long-term disability policy yourself.

If your long-term disability policy is not governed by ERISA, you have a wide range of action you can take.  These types of policies are governed by state law.  You can sue the disability carrier for insurance bad faith. You will be able to have a jury trial and you may even be able to recovery punitive damages. 

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Talk to Our Experienced Disability Insurance Lawyers Today

If you need assistance our office of experienced ERISA and NON-ERISA disability lawyers is happy to help.  You can call (615) 234-6000, toll free nationwide (844) LTD-CODY, or email cody@codyallison.com.

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LTD Answers – We are a team of dedicated, experienced attorneys who provide representation in long-term and short-term disability cases throughout the United States.

Service Offerings

  • LTD Claims
    • What Is ERISA?
    • ERISA Claims
    • Long-Term Disability Claims
    • Own Occupation Vs. Any Occupation
    • Health Conditions
  • Life Insurance
  • About
    • Our Mission
    • Our Team
  • Resources
    • Long-Term Disability FAQs
  • Blog
  • Contact

Head Office

Cavalier Building

95 White Bridge Rd.

Suite 250

Nashville, TN 37205

Email: cody@codyallison.com

Phone: 615.234.6000

Fax: 615.727.0175

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