"[A]n individual disability policy may nevertheless be governed by ERISA ... when the employees benefit from a rate structure or premium discount the employer was able to negotiate in obtaining group benefits. But does ERISA apply when the employee 'converts' a group disability policy to an individual policy? What does 'conversion' mean, anyway? Can the policy merely be a 'continued' policy, rather than a 'converted' policy? Does ERISA apply then? Maybe yes."  MORE >>