LTD Designs to Minimize Litigation Exposure and Maximize Participant Value

2014 Annual Conference
Workplace Application: This session reviews recent LTD litigation and offers design approaches that will optimize benefits and minimize litigation and costs.
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Long-term disability (LTD) benefits appeals and litigation is at a level disproportionate to the number of claims. Defending against these appeals and litigation generates substantial administrative and legal costs. You will learn the benefit features most vulnerable to claims and appeals, such as the definition of disability, the timeframe for submitting claims, appeals and initiating litigation. You will be able to identify the most effective contractual language around the definition of disability, the condition diagnosis and the vocational assessment. This session will help you gain an understanding of the options for reducing those exposures. 

Date(s) & Time(s): 
Tuesday, June 24, 2014 - 4:00pm to 5:15pm

Jack Towarnicky


Jack has 34 years of experience in a broad range of employee benefit matters including welfare benefit plans, qualified and non-qualified retirement plans and other employer-provided fringe benefits.  Prior to joining Willis, Jack held human resources/benefits leadership positions at four different Fortune 500 companies.  

Jack received his LLM – Employee Benefits from John Marshall Law School, his JD from South Texas College of Law, and his MBA and BBA- Business Economics from Cleveland State.  

In 2012, Jack completed his three year appointment to serve on the Department of Labor, Employee Benefits Security Administration’s Advisory Council.  He continues to serve on the World at Work Benefits Advisory Board, and he previously served in board positions for the Council on Employee Benefits, the American Benefits Council and the International Foundation of Employee Benefit Plans Corporate Board.  

Amount of Credit: 
Credit Type: 
HR Credit
Session Type: 
Concurrent Session
HR Expertise
Critical Evaluation
Intended Audience: 
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