Understanding and Handling Long Term Disability Liens

Understanding and Handling Long Term Disability Liens

$45

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Understanding and Handling Long Term Disability Liens
About the Program

This presentation will walk through how long-term disability insurers assert liens against personal-injury recoveries, focusing on the “Other Income” provisions commonly buried in LTD policies. Drawing on key ERISA precedent and recent federal case law — including Barnes v. Independent Auto Dealers Assn. H&B Plan, Aetna Health of Cal., Inc. v. Cianciulli, and Milam v. American Elec. Power LTD Plan — it will explain when the make-whole rule applies, how self-funded versus insured plans affect lien enforceability, and what defenses are available under ERISA, the California Insurance Code and Civil Code provisions.

Speaker(s)
Donald de Camara

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Donald de Camara is a sole practitioner in San Marcos, CA specializing in lien litigation and resolution. He has lectured at well over 120 trial lawyers’ seminars throughout California about liens and has presented four nationwide webinars on ERISA liens. He has had dozens of articles on liens published in various trial lawyer magazines. He was lead counsel for the eight defendants in the case of Carpenters Health v. Vonderharr, 384 F.3d 667 (2004), cert. denied 126 S.Ct. 729 (2005), establishing that defendants prevailing in litigation with their ERISA plan are equally as entitled as plaintiffs to the strong “special circumstances” presumption in favor of an award of attorneys fees. He briefed and argued AC Houston v. Berg, 407 Fed. Appx. 208 (9th Cir. 2010) as amicus counsel for CAOC in the 9th Cir., resulting in the court reversing the district court judgment holding a plaintiff’s attorney liable on an ERISA lien. He was also lead counsel for defendant in the case of Aetna Health Ins. of CA vs. Cianciulli (2025 US Dist Lexis, 75368, where Aetna’s complaint on its insured ERISA reimbursement lien of $1.134 million was dismissed with prejudice by the federal court for failure to waive the make whole rule.

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Accreditation
Credit Hours:
0.50
Specialty Area:
None
Credit Type:
General
Original Air Date:
May 1, 2026
Accredited in:
California
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