ERISA stands for Employee Retirement Income Security Act. When making an insurance claim related to employment, it is important to know it the claim is subject to ERISA, which is governed by Federal Law, or not ERISA, in which case the claim is governed by State Law.
Plus, there are employee benefit plans that would be governed by ERISA however, elements of the employee benefit plan may fall outside of ERISA. This is discussed in a 2020 opinion from the Western District of Texas, Austin Division. The opinion is styled, Stephen Burrell v. Metropolitan Life Insurance Company and Deloitte LLP.
Burrell’s lawsuit was for short term disability (STD) benefits that had been denied and for long term benefits (LTD) that had been denied. This discussion will focus on the STD benefits claim.