If your employee benefits are provided through your employer like most Americans. then ERISA governs your benefits. “ERISA” is a very complex, broad federal law that stands for the Employee Income Retirement Income Security Act of 1974. ERISA was enacted with a goal being to provide protection for employees. Unfortunately, since it was enacted, ERISA has evolved into a law that in the disability arena, provides few true benefits for employees while protecting and shielding employers and insurance companies from liability. Simply put, ERISA provides few, if any protection to you and your family. Continue reading