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You just received a letter from your long-term disability insurance company because they heard about the past-due disability benefits you were awarded from another source. Perhaps it was an award of past-due Social Security Disability (SSDI) benefits or it was from another disability policy you purchased. The insurance company now wants you to pay them!...

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Preemption is a legal term that essentially says goodbye to state law when it comes to ERISA. Unless state law is specific to insurance products, ERISA applies to your case. Forget about bad faith laws in your state. Forget about jury trials. ERISA applies. The preemption of federal law over state law is ERISA. That...

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