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Many companies provide disability insurance policies for their employees through plans set up under the Employee Retirement Income Security Act (ERISA) of 1978. The “Plan” will set out the procedures required to contest a denial of a disability claim. There will be an administrative review of your claim that you must go through as an initial step in contesting denials. If you do not prevail in the administrative phase of the claim you may then contest the denial in court.

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