Are you a physician? Here is why you should consider not taking ERISA disability insurance

This article cogently explains the pitfall of ERISA for physicians. One wonders what kind of disability insurance he physicians hired by the LTD carriers take. I wish that was allowed in discovery.
Here is a relevant snippet from the article
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Do you have group long-term disability coverage that pays you if you become disabled? If you get sick or hurt, are you relying on that group LTD policy to pay you benefits? If you do, don’t count on it. There are three primary reasons for this: (1) inferior contract language, (2) ERISA, and (3) relevant court decisions. If you become disabled, you may be in for the fight of your life. But unfortunately, while disabled, when you are most vulnerable, is the worst time to mount a fight against the big insurance company. As you read this article, think how you may become better prepared to deal with this potential problem.

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