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Court Finds Employee-Paid LTD Policy Was Part of Employer's ERISA Plan
The Wagner Law Group 
Aug. 24, 2022 "[T]he insurer asserted that the LTD policy was covered by ERISA and failed to meet the requirements of the DOL safe harbor because: [1] it was a component of the entire group health plan to which the employer contributed (through the basic life policy); and [2] it was endorsed by the employer.... [T]he court agreed with the insurer, finding that the four 'policies were jointly offered 'as part of the [employer's] employee benefits program,' which implicates ERISA regardless of the lack of employer contribution to the LTD portion of the overall plan.' " [Duncan v. Unum Life Ins. Co. of Am., No. 20-600 (M.D. Tenn. Jul. 18, 2022)] |
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