# Understanding and Handling Long Term Disability Liens

Page: https://stenobird.com/podcast/cles-you-actually-want-to-hear-7072333/understanding-and-handling-long-term-disability-liens
Text version: https://stenobird.com/podcast/cles-you-actually-want-to-hear-7072333/understanding-and-handling-long-term-disability-liens.md
Podcast: [CLEs You Actually Want to Hear](https://stenobird.com/podcast/cles-you-actually-want-to-hear-7072333)
Published: 2026-05-27T14:00:00+00:00
Episode link: https://rss.com/podcasts/cle-you-actually-want-to-hear/2786717
Audio file: https://content.rss.com/episodes/294811/2786717/cle-you-actually-want-to-hear/2026_05_01_22_22_04_52a92b1e-dc00-465b-9118-f55b87e20040.mp3
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JSON: https://stenobird.com/v1/public/podcasts/cles-you-actually-want-to-hear-7072333/episodes/understanding-and-handling-long-term-disability-liens
Duration seconds: 1939

## Resource

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.

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## Transcript

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