Why is ERISA an unfair law for disability insurance claimants?

ERISA stands for the Employer Retirement Income Security Act and it was a Federal law that was passed in the early 1970s which was supposed to make it more affordable for employers to be able to offer long term disability coverage as well as health insurance for employees.

In reality in my personal opinion, what happened is that, a lot of individuals, while they got a low price for this type of coverage, they actually get somewhat screwed in the end with the administrative process. I personally feel that ERISA is an unfair law, it is a pro-insurance company law and it really puts insured’s backs against the wall the time comes to file a claim.

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