Understanding and Handling Long Term Disability Liens

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.