Are Long Term Disability Policies Purchased Through My Medical Society Covered Under ERISA?
Nancy Cavey, ERISA Long Term Disability attorney who practices nation wide, knows that groups like dental hygienists or doctors are professional organizations who may offer disability policies to their members. Questions do arise about whether or not a disability policy offered through a professional association that offers a group discount are individual policies not subject to ERISA.
Whether or not your disability policy purchased through a professional association is subject to ERISA is a legal question that does require close analysis. If you are thinking about purchasing such a policy, consider consulting Nancy Cavey to assist you and determine whether or not you are purchasing the right policy. You can make a costly mistake if this turns out to be an ERISA policy and not an individual policy.