In this episode of Secrets from the ERISA Vault, Kaitlyn Barciszewski, attorney at Eric Buchanan & Associates, explains what claimants need to understand about their long term disability and individual disability insurance policies. The terms of these policies play a critical role in how claims are evaluated, approved, or denied, yet many people are unfamiliar with what their policy actually says.

Kaitlyn walks through key provisions commonly found in LTD and DI policies, including definitions of disability, limitations, exclusions, and how insurance companies interpret policy language when reviewing claims. She highlights why knowing your policy before and during a claim can help avoid surprises and strengthen your position if a denial occurs.

Listeners will gain a clearer understanding of how disability insurance policies work, why the fine print matters, and how policy language can directly impact eligibility for benefits and the overall outcome of a claim.