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What Is ERISA and How Does It Affect My Long-Term Disability Benefits?

By Brian Patrick Bronson, Esq. If an illness or injury leaves you unable to work, your employer may offer Long-Term Disability (LTD) insurance—typically covering 50–70% of your salary. As you begin exploring your benefits, you might hear the term ERISA mentioned frequently. So what is ERISA, and why does it matter? Understanding ERISA ERISA stands for the Employee…

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