If your long term disability claim is denied by your insurance company and you are claiming benefits under a group policy, that claim is governed by a 1974 law that absolutely stacks the decks against you. We've all heard the saying "The Devil is in the details" and that is exactly what your insurance company wants for you to believe when they deny your long term disability claim. First, the insurance company will try to convince you that there is some detail written into your group disability policy allowing them to worm their way out of paying you what you're entitled to under that very policy. While it is true that there are tricky little quirks slipped into your policy--PAY ATTENTION because if this is not addressed, your entire Long Term Disability Claim can completely blow up, without the chance of repair. Under the Employee Retirement Income Security Act (ERISA), you must prove that your denial was not just wrong, but unreasonable. In your appeal there is no trial and there are no witnesses. Everything the judge does is based on papers submitted. You will not be given the opportunity to have the other side answer questions under oath which may have revealed financial incentives paid to so-called independent doctors when they agree with insurance company denials. Why doesn't Congress fix these injustices? Because their disability plans aren't governed by ERISA. So Congress simply doesn't care. This book explains what you can do and why you must do it immediately.