Claims Procedure for Plans Providing Disability Benefits

Many comment letters were submitted with medical or personal health information. To preserve the substance of the comment letters, the Department did not redact the medical or personal health information, but instead removed personally identifiable information (such as name, address and other contact information) from these letters to protect the privacy of commenters and other named individuals. These comment letters are designated as "Name Withheld" on this web page. If you submitted one of these comment letters and would like your identity disclosed on this web page, you may make a request for its inclusion by contacting DOL at EBSA-Webmaster@dol.gov. "Name Withheld" comment letters are distinct from comment letters designated as "Anonymous," which generally were submitted by the commenter without identifying information.

Extension of Applicability Date

  1. Name Withheld
    October 12, 2017
  2. Mark DeBofsky
    October 18, 2017
  3. D. Seth Holliday
    October 18, 2017
  4. Mel Crawford
    October 25, 2017
  5. Richard Johnston
    October 18, 2017
  6. Jonathan M. Feigenbaum
    October 18, 2017
  7. Michael E. Quiat
    October 18, 2017
  8. Kevin Koelbel
    October 18, 2017
  9. CJ Henry Law Firm, PLLC
    Claudeth J. Henry
    October 19, 2017
  10. Robert Armand Perez Sr.
    October 19, 2017
  11. Patrick Mause
    October 19, 2017
  12. Tybe A. Brett
    October 20, 2017
  13. Scott B. Elkind
    October 20, 2017
  14. Cassie Springer Ayeni
    October 20, 2017
  15. Michael S. Krieger
    October 20, 2017
  16. John J. Spiegel
    October 24, 2017
  17. Tony Merry
    October 23, 2017
  18. Robert June
    October 23, 2017
  19. Sarah Demers
    October 24, 2017
  20. Brian H. Kim
    October 24, 2017
  21. Frankel & Newfield, P.C.
    Jason Newfield
    October 18, 2017
  22. Mala M. Rafik
    October 24, 2017
  23. Alicia Paulino-Grisham
    October 24, 2017
  24. Shawn McDermott
    October 24, 2017
  25. Matthew Davis
    October 24, 2017
  26. Bridget O’Ryan
    October 24, 2017
  27. Brad Wojno
    October 24, 2017
  28. Carrie Feit
    October 24, 2017
  29. David Martin
    October 24, 2017
  30. David Bryant
    October 25, 2017
  31. Kirk L. Wogelmuth
    October 24, 2017
  32. Scott M. Riemer
    October 24, 2017
  33. Paul Sullivan
    October 24, 2017
  34. Michael Bartolic
    October 24, 2017
  35. Bernard A. Guerrini
    October 24, 2017
  36. Amar Raval
    October 24, 2017
  37. Paulette Adams Bradham
    October 24, 2017
  38. M. Katherine Sullivan
    October 24, 2017
  39. Ron Dean
    October 24, 2017
  40. Joseph P. McDonald
    October 24, 2017
  41. Alan H. Casper
    October 24, 2017
  42. Susan L. Horner
    October 24, 2017
  43. Corinne Chandler
    October 25, 2017
  44. Michelle Roberts Bartolic
    October 25, 2017
  45. Jennifer Danish
    October 25, 2017
  46. Beth Davis Perez
    October 25, 2017
  47. Tracy Collins
    October 25, 2017
  48. Elizabeth K. Green
    October 25, 2017
  49. Bob Keehn
    October 25, 2017
  50. Nancy L. Cavey
    October 25, 2017
  51. Brent Dorian Brehm
    October 25, 2017
  52. Andrew Kantor
    October 25, 2017
  53. Mitchell Hefter
    October 25, 2017
  54. Jeffrey S. Warncke
    October 25, 2017
  55. Jeffrey S. Warncke
    October 25, 2017
  56. John Walker Wood
    October 25, 2017
  57. Thomas O. Sinclair
    October 25, 2017
  58. Jim Keenley
    October 25, 2017
  59. Glenn R. Kantor
    October 25, 2017
  60. Cari M. Schwartz
    October 25, 2017
  61. Richard Carter
    October 25, 2017
  62. Bonny Rafel
    October 25, 2017
  63. Mason Waring
    October 25, 2017
  64. Samantha Lutt
    October 25, 2017
  65. Sally Mermelstein
    October 25, 2017
  66. P. Randall Noah
    October 25, 2017
  67. Julian Baum
    October 25, 2017
  68. Douglas Robinson
    October 25, 2017
  69. Daniel Feinberg
    October 25, 2017
  70. William Reynolds
    October 25, 2017
  71. Thomas Hoff
    October 25, 2017
  72. John Stennett
    October 26, 2017
  73. Essex Richards, P.A.
    Edward G. Connette, Norris A. Adams, II, Caitlin H. Walton
    October 25, 2017
  74. Katherine L. MacKinnon
    October 25, 2017
  75. Stephen R. Bruce
    October 25, 2017
  76. Rhonda Harris Buckner
    October 25, 2017
  77. DarrasLaw
    Frank N. Darras, Susan B. Grabarsky, Phillip S. Bather, Heather Gardner
    October 25, 2017
  78. Nolan, Thompson & Leighton, PLC
    Robert J. Leighton, Jr.
    October 26, 2017
  1. AARP
    David Certner
    October 26, 2017
  2. Robert J. Rosati
    October 26, 2017
  3. John P. Murray
    October 26, 2017
  4. Lisa Serebin
    October 26, 2017
  5. Brian S. King
    October 26, 2017
  6. Jeremy L. Bordelon
    October 26, 2017
  7. Julia Campins
    October 26, 2017
  8. ReedGroup
    Megan Holstein
    October 26, 2017
  9. Peter Sessions
    October 26, 2017
  10. Benjamin Glass
    October 26, 2017
  11. Socorra DeCelle
    October 27, 2017
  12. Sarah Burns
    October 27, 2017
  13. Phillip G. Fairbanks
    October 27, 2017
  14. U.S. Chamber of Commerce
    Randal Johnson, Aliya Wong
    October 27, 2017
  15. UnitedHealthcare
    Gavin G. Galimi
    October 27, 2017
  16. Unum Group
    Gregory J. Breter
    October 27, 2017
  17. Sun Life Financial
    Debra A. Conner
    October 27, 2017
  18. Cigna Corporation
    David Schwartz
    October 27, 2017
  19. National Business Group on Health
    Brian Marcotte
    October 27, 2017
  20. American Council of Life Insurers
    Steven Clayburn
    October 27, 2017
  21. Michael A. McKuin
    October 27, 2017
  22. Scott E. Davis
    October 27, 2017
  23. American Federation of Labor and Congress of Industrial Organizations (AFL-CIO)
    Shaun C. O’Brien
    October 27, 2017
  24. National Coordinating Committee for Multiemployer Plans
    Michael D. Scott
    October 27, 2017
  25. Michael James Quirk
    October 27, 2017
  26. American Benefits Council, American Council of Life Insurers, America’s Health Plans, Cigna, The ERISA Industry Committee, Financial Services Roundtable, The Guardian Life Insurance Company of America, The Hartford, MetLife, Mutual of Omaha, National Association of Insurance and Financial Advisors, National Business Group on Health, NFL Player Disability and Neurocognitive Benefit Plan, Sun Life Financial, Unum Group, Inc., U.S. Chamber of Commerce
    October 27, 2017
  27. America’s Health Insurance Plans
    Matthew Eyles
    October 27, 2017
  28. Ralph E. Wiser
    October 27, 2017
  29. David M. Lilienstein
    October 17, 2017
  30. NFL Player Disability & Neurocognitive Benefit Plan
    Alvaro I. Anillo
    October 25, 2017
  31. W. Miller
    November 6, 2017
  32. Carl Perkins
    November 10, 2017
  33. Anonymous
    November 21, 2017
  34. Kirk L. Woglemuth
    December 4, 2017
  35. Scott B. Elkind
    December 4, 2017
  36. Roberts Bartolic LLP
    Michelle Roberts Bartolic
    December 4, 2017
  37. Howard L. Bolter
    December 6, 2017
  38. D. Seth Holliday
    December 6, 2017
  39. Mark DeBofsky
    December 6, 2017
  40. Feinberg, Jackson, Worthman & Wasow LLP
    Dan Feinberg
    December 6, 2017
  41. David P. Martin
    December 6, 2017
  42. Steven P. Krafchick
    December 6, 2017
  43. Steven P. Krafchick
    December 6, 2017
  44. Scott M. Riemer
    December 6, 2017
  45. Cari M. Schwartz
    December 7, 2017
  46. James P. Keenley
    December 7, 2017
  47. Bonny G. Rafel
    December 7, 2017
  48. Berg Plummer Johnson & Raval
    Amar Raval
    December 7, 2017
  49. Corrine Chandler
    December 7, 2017
  50. J. David Oswalt
    December 7, 2017
  51. Beth D. Perez
    December 7, 2017
  52. Mitchell O. Hefter
    December 7, 2017
  53. Glenn R. Kantor
    December 7, 2017
  54. Massachusetts Employment Lawyers Association
    Jonathan M. Feigenbaum
    December 7, 2017
  55. Brian H. Kim
    December 7, 2017
  56. Alan H. Casper
    December 7, 2017
  57. Bob Keehn
    December 7, 2017
  58. Campins Benham-Baker, PC
    Julia Campins
    December 8, 2017
  59. Tybe A. Brett
    December 8, 2017
  60. Kevin Koelbel
    December 8, 2017
  61. Mel Crawford
    December 8, 2017
  62. John J. Spiegel
    December 8, 2017
  1. Robert J. Rosati
    December 8, 2017
  2. Sally Mermelstein
    December 8, 2017
  3. Michael A. McKuin
    December 8, 2017
  4. Randy Noah
    December 8, 2017
  5. Ron Dean
    December 8, 2017
  6. Stephen R. Bruce
    December 8, 2017
  7. Robert Armand Perez Sr.
    December 8, 2017
  8. Alan E. Kassan
    December 8, 2017
  9. Elizabeth K. Green
    December 8, 2017
  10. Philip G. Fairbanks
    December 9, 2017
  11. Law Office of Patrick Mause, PLLC
    December 10, 2017
  12. David Lilienstein
    December 11, 2017
  13. Jeremy L. Bordelon
    December 9, 2017
  14. Mason Waring
    December 9, 2017
  15. Alicia Paulino-Grisham
    December 10, 2017
  16. Tony Merry
    December 11, 2017
  17. William Reynolds
    December 11, 2017
  18. M. Katherine Sullivan
    December 11, 2017
  19. M. Clayborn Williams
    December 11, 2017
  20. Bernard A. Guerrini
    December 11, 2017
  21. Katherine L. MacKinnon
    December 11, 2017
  22. Uscher, Quiat, Uscher & Russo A Professional Corporation
    Michael E. Quiat
    December 11, 2017
  23. Matthew R. Davis
    December 11, 2017
  24. Sarah Demers
    December 11, 2017
  25. UnitedHealthcare
    Gavin Galimi
    December 11, 2017
  26. Martina B. Sherman
    December 11, 2017
  27. Fusco, Brandenstein & Rada, P.C.
    Aba Heiman
    December 11, 2017
  28. Essex Richards, P.A.
    Edward G. Connette, Norris A. Adams, II, Caitlin H. Walton
    December 11, 2017
  29. Robert B. June
    December 11, 2017
  30. Cigna
    David Schwartz
    December 11, 2017
  31. National Business Group on Health
    Brian Marcotte
    December 11, 2017
  32. U.S. Chamber of Commerce
    Randel K. Johnson, Aliya Wong
    December 11, 2017
  33. ReedGroup
    Megan Holstein
    December 11, 2017
  34. The NFL Player Disability & Neurocognitive Benefit Plan
    Douglas W. Ell, Alvaro I. Anillo
    December 11, 2017
  35. Bridget O’Ryan
    December 11, 2017
  36. Thomas O. Sinclair
    December 11, 2017
  37. Kantor & Kantor, LLP
    Lisa S. Kantor
    December 11, 2017
  38. Peter S. Sessions
    December 11, 2017
  39. Joseph P. McDonald
    December 11, 2017
  40. Andrew M. Kantor
    December 11, 2017
  41. Robert Lessin
    December 11, 2017
  42. Unum Group
    Gregory J. Breter
    December 11, 2017
  43. Mala M. Rafik, Sarah E. Burns, Socorra A. DeCelle
    December 11, 2017
  44. AARP
    David Certner
    December 11, 2017
  45. John Walker Wood
    December 11, 2017
  46. The American Council of Life Insurers
    Steven Clayburn
    December 11, 2017
  47. America’s Health Insurance Plans
    Matthew Eyles
    December 11, 2017
  48. John P. Murray
    December 11, 2017
  49. Sun Life Financial
    Debra Conner
    December 11, 2017
  50. Charles March
    December 11, 2017
  51. American Benefits Council
    Kathryn Wilber
    December 11, 2017
  52. Julian M. Baum
    December 11, 2017
  53. Terrence J. Coleman
    December 11, 2017
  54. John P. Stennett (Jack)
    December 11, 2017
  55. Miller Monson Peshel Polacek & Hoshaw
    Susan L. Horner
    December 11, 2017
  56. Michael P. Williamson
    December 11, 2017
  57. Jeffrey C. Metzger, A Law Corporation
    December 11, 2017
  58. Michael James Quirk
    December 11, 2017
  59. Jennifer Danish
    December 11, 2017
  60. Paul Sullivan
    December 11, 2017
  61. Richard Johnston
    December 11, 2017
  62. Lisa Serebin
    December 11, 2017
  63. DarrasLaw
    December 11, 2017
  64. Brian S. King
    December 11, 2017
  65. Disability Rights Education and Defense Fund
    Silvia Yee
    December 11, 2017
  66. Frankel & Newfield, P.C.
    December 11, 2017
  67. The Grey Law Firm PC
    Rebecca Grey
    December 11, 2017
Final Regulation

The comments will be made available in alternative format to persons with disabilities upon request.

  1. Jeffrey Delott
    November 19, 2015
  2. Name Withheld
    November 19, 2015
  3. Name Withheld
    November 22, 2015
  4. Name Withheld
    November 29, 2015
  5. Miriam DiNicholas
    November 30, 2015
  6. Name Withheld
    December 08, 2016
  7. Cindy Siebrecht
    December 16, 2015
  8. Name Withheld
    December 17, 2015
  9. Mark D. DeBofsky
    December 17, 2015
  10. Name Withheld
    December 28, 2015
  11. Amar Raval
    December 30, 2015
  12. L. Stirling
    December 31, 2015
  13. Name Withheld
    December 31, 2015
  14. Name Withheld
    December 31, 2015
  15. Name Withheld
    December 31, 2015
  16. Anonymous
    December 31, 2015
  17. Connie Faast
    December 31, 2015
  18. Name Withheld
    December 31, 2015
  19. Anonymous
    December 31, 2015
  20. Anonymous
    January 01, 2016
  21. Marilyn Lemmon
    January 01, 2016
  22. Name Withheld
    January 02, 2016
  23. Name Withheld
    January 02, 2016
  24. Name Withheld
    January 02, 0106
  25. Nancy Wood
    January 03, 2016
  26. William T. Allison
    January 03, 2016
  27. Name Withheld
    January 03, 2016
  28. Patrick W. Mause
    January 11, 2016
  29. Stuart Koford
    January 11, 2016
  30. Mary Ellen Lister
    January 11, 2016
  31. Barry Kirschner
    January 11, 2016
  32. Cheryl House
    January 12, 2016
  33. Denise Boehner
    January 12, 2016
  34. Patrick Derkacz
    January 13, 2016
  35. Name Withheld
    January 10, 2016
  36. D. Seth Holliday
    January 12, 2016
  37. Michelle L. Roberts
    January 14, 2016
  38. Kirk L. Wolgemuth
    January 14, 2016
  39. Anonymous
    January 14, 2016
  40. Bonny G. Rafel
    January 14, 2016
  41. Name Withheld
    January 14, 2016
  42. Name Withheld
    January 14, 2016
  43. Name Withheld
    January 15, 2016
  44. Tybe Ann Brett
    January 15, 2016
  45. Name Withheld
    January 15, 2016
  46. Name Withheld
    January 16, 2016
  47. David P. Martin
    January 15, 2016
  48. American Federation of State, County and Municipal Employee
    Steve Kreisberg
    January 15, 2016
  49. Kevin Koelbel
    January 15, 2016
  50. DRI - The Voice of the Defense Bar
    Laura E. Proctor
    January 15, 2016
  51. Anonymous
    January 16, 2016
  52. Phil Fairbanks
    January 16, 2016
  53. Name Withheld
    January 16, 2016
  54. Tony C. Merry
    January 16, 2016
  55. Anonymous
    January 17, 2016
  56. Dan Hall
    January 17, 2016
  1. Name Withheld
    January 17, 2016
  2. Hudson T. Ellis
    January 18, 2016
  3. Name Withheld
    January 18, 2016
  4. Eric L. Buchanan
    January 18, 2016
  5. Name Withheld
    January 18, 2016
  6. Joseph P. McDonald
    January 18, 2016
  7. Katherine L. MacKinnon
    January 18, 2016
  8. Feinberg, Jackson, Worthman & Wasow LLP
    Dan Feinberg
    January 18, 2016
  9. Jennifer M. Danish
    January 18, 2016
  10. MEadvocacy.org
    Colleen Steckel Joni Comstock
    January 18, 2016
  11. Robert B. June
    January 18, 2016
  12. Health Law Advocates
    Matthew Selig
    January 19, 2016
  13. United Cerebral Palsy
    Jennifer McCue
    January 19, 2016
  14. Essex Richards
    Edward G. Connette
    Norris A. Adams, II
    Caitlin H. Walton
    January 19, 2016
  15. Name Withheld
    January 19, 2016
  16. Name Withheld
    January 19, 2016
  17. Massachusetts Employment Lawyers Association
    Jonathan M. Feigenbaum
    January 19, 2016
  18. Sara Kaplan-Khodorovsky
    January 19, 2016
  19. AARP
    David Certner
    January 19, 2016
  20. Unum Group
    Gregory J. Breter
    January 19, 2016
  21. Name Withheld
    January 18, 2016
  22. Denise Lopez-Majano
    January 18, 2016
  23. Anonymous
    January 18, 2016
  24. Name Withheld
    January 18, 2016
  25. Name Withheld
    January 19, 2016
  26. Sally Mermelstein
    January 18, 2016
  27. Name Withheld
    January 18, 2016
  28. Anonymous
    January 18, 2016
  29. Richard Johnston
    January 19, 2016
  30. Yonatan Ben-Shalom
    David C. Stapleton

    January 19, 2016
  31. Scott M. Reimer
    January 19, 2016
  32. Gisele M. Nadeau
    January 19, 2016
  33. Brian H. Kim
    January 19, 2016
  34. Bridget O'Ryan
    January 19, 2016
  35. Stephen R. Bruce
    January 19, 2016
  36. The NFL Player Disability & Neurocognitive Benefit Plan
    Douglas W. Ell
    Alvaro I. Anillo
    January 19, 2016
  37. Pension Rights Center
    Jane T. Smith
    January 19, 2016
  38. Plan Sponsor Council of America
    Richard P. McHugh
    January 19, 2016
  39. Howard L. Bolter
    January 19, 2016
  40. Kantor & Kantor, LLP
    Glenn Kantor
    January 19, 2016
  41. Marcus A. Castillo
    January 19, 2016
  42. United Policyholders
    Glenn R. Kantor
    January 19, 2016
  43. John V. Tucker
    January 19, 2016
  44. The American Federation of Labor and Congress of Industrial States
    Karin S. Feldman
    January 19, 2016
  45. National Multiple Sclerosis Society
    Scott M. Riemer
    January 19, 2016
  46. R. Scott Wilson
    January 19, 2016
  1. DI Law Group
    Alicia Paulino-Grisham
    Maggie M. Smith
    Mindy L. Chmielarz
    January 19, 2016
  2. Terrence J. Coleman
    January 19, 2016
  3. Anonymous
    January 19, 2016
  4. Jamie L. Harris
    January 19, 2016
  5. Taylor Shallenburg
    January 19, 2016
  6. Eric E. Ludin
    January 19, 2016
  7. Lauren M. Pulido
    January 19, 2016
  8. Amy Ray
    January 19, 2016
  9. National Alliance on Mental Illness of Massachusetts
    Laurie Martinelli
    January 19, 2016
  10. Rosenfeld Rafik & Sullivan, P.C.
    Mala M. Rafik
    January 19, 2016
  11. Martina B. Sherman
    January 19, 2016
  12. American Council of Life Insurers
    January 19, 2016
  13. American Benefits Council
    Jan Jacobson
    Kathryn Wilber
    January 19, 2016
  14. Anonymous
    January 19, 2016
  15. Thomas O. Sinclair
    January 19, 2016
  16. UnitedHealthcare
    Jennifer Lundgren Lewis-David
    January 19, 2016
  17. John J. Spiegel
    January 19, 2016
  18. Robert J. Rosati
    January 19, 2016
  19. Erin Rose Ronstadt
    January 19, 2016
  20. Sedgwick Claims Management Services, Inc.
    Stephanie Simpson
    January 19, 2016
  21. Name Withheld
    January 19, 2016
  22. Susan Martin, Daniel Bonnett, Jennifer Kroll, Evan Schlack
    January 19, 2016
  23. The National Coordinating Committee for Multiemployer Plans
    Randy G. DeFrehn
    January 19, 2016
  24. Elliott Andalman and Peter Casciano
    January 19, 2016
  25. Paul Sullivan
    January 19, 2016
  26. The American Association for Justice
    Larry A. Tawwater
    January 19, 2016
  27. America's Health Insurance Plans
    Wintrop S. Cashdollar
    Thomas J. Wilder
    January 19, 2016
  28. Anonymous
    January 19, 2016
  29. Jeff Warncke
    January 19, 2016
  30. Rhonda Harris Buckner
    January 19, 2016
  31. Reed Group, Ltd. of the Guardian Life Insurance Company of America
    January 19, 2016
  32. Consortium for Citizens with Disabilities; American Association of People with Disabilities; American Association on Health and Welfare; American Council of the Blind; American Foundation for the Blind; Association of University Centers on Disabilities; A
    January 19, 2016
  33. John P. Murray
    January 19, 2016
  34. National Business Group on Health
    Brian Marcotte
    January 19, 2016
  35. Anonymous
    January 19, 2016
  36. Name Withheld
    January 19, 2016
  37. Chisholm, Chisholm & Kirkpatrick Ltd
    J. Scott Kirkpatrick
    Mason J. Waring
    January 19, 2016
  38. Stephen L. Raymond
    January 19, 2016
  39. Anonymous
    January 19, 2016
  40. George Thompson
    January 19, 2016
  41. Sun Life Financial
    Debra A. Conner
    January 19, 2016
  42. Frankel & Newfield, P.C.
    Jason Newfield
    January 19, 2016
  43. Lawrence R. Chaban
    January 19, 2016