In this episode, Eric Buchanan explains why ERISA disability claims often feel unfair to claimants. He breaks down how ERISA changed the rules for long term disability cases, how courts review benefit denials, and why the legal standard often favors insurance companies over individuals.

Listeners will learn how administrative records control the outcome of most ERISA cases, why jury trials are not available, and how these structural limitations shape the way disability claims are decided.

This episode lays the foundation for understanding how ERISA works and why building the right record early is critical to protecting disability benefits.