When you buy an insurance policy in the state of California part of that policy comes with a promise — and it’s an unwritten promise and that’s a promise that the insurance company will treat you fairly when you need to make a claim. You don’t buy insurance hoping you can make an insurance claim, you buy insurance in case you have to make an insurance claim. And when you do you want the company step-up treat you fairly and pay that claim.
You buy disability insurance because you want coverage if your unable to perform your own occupation When you make a disability claim very often, the pain the discomfort, your inability to function — it’s hard to put that down a piece of paper. That disability claim and your ability to be able to convey that information clear and concise manner to the insurance companies is important.
ERISA is a federal law that governs your rights and remedies if you have obtained your insurance – life, health, or disability insurance, through your employer. In a nutshell it’s terrible. The reason why it’s terrible is that it limits your rights and remedies.