You Are Erisa Preempted.
You may be partially
But not totally disabled. “total disability” is defined in your policy as your “inability to perform the important duties of your own occupation.” “residual disability” is defined as your “inability to perform some of the important duties of your occupation.” this may seem confusing to you as a layman, but the bottom line is that residual pays about 25% of what we would owe you under total. Enclosed is your residual disability check for last month. If you have any questions, please call our customer care hotline recording. And remember, your call is important to us.