Episode
Understanding and Handling Long Term Disability Liens
- Published
- May 27, 2026
- Duration seconds
- 1939
- Processing state
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- https://rss.com/podcasts/cle-you-actually-want-to-hear/2786717
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Summary
Donald M. de Camara of the Law Offices of Donald M. de Camara 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 -- he 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.