Long Term Disability (LTD) claims are not uncommon in the insurance world. Some of these claims are easy to see and understand, such as an amputation. Other LTD claims are less easy to see and understand, such as chronic conditions and conditions that do not show up easily on tests and can be very subjective. It is the other type of LTD claims that end up being denied by insurance companies.
While many denied claims can be contested by hiring an insurance lawyer, many are complicated legal battles. What makes too many of these LTD claims even harder to contest if denied, is when the plan is through a person’s employer and governed by the Employee Retirement Income Security Act (ERISA).
A 2021 opinion from the Southern District of Texas, Houston Division, deals with an LTD claim that is governed by ERISA. The opinion is styled, Mark Calkin v. United States Life Insurance Company In The City Of New York.