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ERISA appeal to fight for her LTD benefits.

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This makes a bad situation even worse.

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If, because of Injury or Sickness, Youare not Actively at Work on the date the insurance would otherwise take effect, it will take effect on the day You returnto Active Work.

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Though ERISA was initially designed to protect employees and their pensions and retirement plans, disability insurance carriers have had success using its provisions to deny long term disability claims.

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