ERISA also does not apply to individual disability policies.
Group disability plans issued to the employees of public schools, state or municipal employees and church employees are usually exempt from ERISA.
Group disability policies are typically governed by the Employee Retirement Income Security Act (ERISA), although certain group plans may be exempt from ERISA. Sometimes employee-sponsored disability benefits are administered by claims management companies such as Sedgwick CMS, Disability RMS, or Matrix Absence Management. The disability benefits are often insured by companies like CIGNA (Life Insurance Company of North America), Prudential, Unum, Liberty Mutual, Lincoln, MetLife, Mutual of Omaha, The Hartford, Sun Life, The Standard, Mass Mutual, Aetna, Assurant, Reliance Standard, or Anthem. Many employers offer short-term and long-term disability insurance coverage as an employee benefit.
