Long-term disability (LTD) insurance claims sit at the intersection of contract law, insurance law, and—frequently—federal ERISA law. Nearly half of all LTD claims arise under employer-sponsored group policies governed by the Employee Retirement Income Security Act of 1974 (ERISA), which imposes a highly restrictive administrative framework and limits litigation exclusively to federal court. Other LTD matters involve individual policies commonly purchased by professionals, as well as association-sponsored coverage offered through medical or professional organizations, each presenting distinct legal and procedural considerations.

This CLE program provides a practical roadmap for navigating the unique challenges posed by disability insurance claims, with a particular focus on ERISA-governed group policies. Attendees will gain an understanding of the federal statutory and regulatory scheme, the mandatory administrative process, and the strict deadlines that can determine the viability of a claim—and expose counsel to malpractice risk if missed.

The course examines the key differences among group, individual, and association disability policies and the legal issues that arise when claims are denied, delayed, or terminated. It also offers strategic guidance on developing and preserving the administrative record, challenging adverse claim determinations, and positioning cases for potential federal litigation. From initial claim submission through appeal and court review, this program equips practitioners with the substantive, procedural, and practical insights necessary to effectively handle LTD matters, which demand not only ERISA fluency but also an understanding of insurer practices and medically driven evidence.