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Self - funded LTD

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What is the name of your state? Arizona

I was approved for STD and subsequently LTD under the self - funded state employees' plan. I was approved for SSD almost immediately after applying without having to appeal. The benefits company that administers the LTD plan for the state will be reviewing my permanent eligibility shortly. I have read so many horror stories about ERISA, do I have the same kind of concerns about a self - funded plan for ex - state employees? If denied permanent status, where do I turn? The plan administrator is Voluntary Plan Administrators (VPA) that administer plans in CA, RI, NJ and some other states. How do I find out this company's background in dealing with applicants for LTD in other states and if they've been in litigation?

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