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When Does ERISA Not Apply to Employer-Sponsored Long-Term Disability Insurance?

Posted September 16, 2022

The Employee Retirement Income Security Act of 1974 (ERISA) is a collection of federal legislation that sets out rules and standards for a range of employer-provided benefits. The Act usually governs short- and long-term disability insurance policies companies provide to their workers. However, this isn’t always the case. Policies sponsored by certain types of organizations […]

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The Key Differences Between Employer-Sponsored and Individually Purchased Long-Term Disability Insurance


There are two main types of long-term disability insurance; individually purchased and employer-sponsored. It’s important to be aware of the defining characteristics of each, as they have a major bearing on you as a policyholder and claimant. Your insurance policy’s status as either employer-sponsored or individually purchased will have implications in terms of cost, taxation, […]

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“Any Occupation” vs. “Own Occupation” Long-Term Disability Insurance

Posted February 1, 2022

Most employers offer some form of ERISA group long-term disability insurance to their employees. While this is always a useful perk, it’s important to realize that not all group or individually purchased disability insurance policies are the same. Many aspects of these policies, whether individually purchased or employer-sponsored, can vary, including the duration of coverage […]

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Is Objective Evidence the Only Way to Prove Your Short or Long-Term Disability?

Posted January 20, 2022

Objective evidence is based on unbiased, quantifiable, and independently confirmed factual evidence. Subjective evidence is based on opinion and self-reporting. When suffering a disability and looking to file a short or long-term disability claim, your insurance company may want to see more objective evidence than subjective information. People ask, is that the only way to […]

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Do Long-Term Disability Insurance Policies Cover Mental Illness?


As health professionals, and the public at large, have come to understand mental illness more comprehensively, the frequency of diagnoses of psychiatric conditions has skyrocketed. Statistics from 2021 estimate that around 13% of the world’s population suffer from either a mental health or substance abuse disorder. However, while society’s acceptance of mental illness awareness has […]

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7 Tips For How To Win A Disability Appeal

Posted January 11, 2022

When you submit your disability claim, you don’t expect an immediate denial. Unfortunately, that often happens for many reasons. Remember, you can win many claims that insurers first deny with the help of a skilled disability lawyer. The appeals process is complex and requires quick, timely action. The first step to appeal is to be […]

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Biden Says Long COVID May Be a Disability

Posted October 8, 2021

Experts are learning more about COVID-19 all the time, but there’s still a long way to go before we fully understand the impact the virus can have on patients. Different people suffer from different symptoms, and while some recover relatively quickly, others are left dealing with health difficulties and disability long after their initial diagnosis. […]

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What Long Haulers Should Know About Disability Law and Federal Guidance

Posted August 24, 2021

Surviving a COVID infection may not be a one-time affair. Researchers and medical authorities studying COVID have suggested that a post-viral “long COVID” condition has created a group of legitimately sick workers known as “long haulers.” These Covid survivors unfortunately still suffer from various debilitating symptoms weeks and months after their initial diagnosis. On July […]

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Social Security Disability Insurance (SSDI) vs. Private Individual Disability Insurance

Posted June 17, 2021

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There are many myths floating around about disability insurance – the most common is that there isn’t much of a difference between SSDI and private long-term disability insurance. Often, Americans will choose to skip the latter because they think the former will provide for them if they become disabled.

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The Future of Nursing and Disability Claims

Posted June 15, 2021

Prior to the COVID-19 pandemic, nursing was already one of the most sought after professions in the United States, and in 2019 ranked as the third-most in-demand of any job. Unfortunately, the profession faces some hurdles which might indicate trends in new and mounting disability claims. As seasoned nurses continue to age and populations rise, […]

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DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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