Wisconsin law

Long-Term Disability & ERISA Laws in Wisconsin.

Long-term disability (LTD) insurance provided through employer-sponsored group plans is generally governed by the federal Employee Retirement Income Security Act (ERISA). ERISA preempts most state-law remedies for denied LTD claims and channels disputes into federal court under 29 U.S.C. § 1132(a)(1)(B). LTD plans purchased individually (non-employer) and some governmental/church plans are not ERISA-governed and proceed under Wisconsin insurance law — including common-law bad faith under Anderson — in state court.

Last verified: 2026-04-20

State law

Key Wisconsin Statutes

ERISA Civil Enforcement29 U.S.C. § 1132

Federal ERISA enforcement provision governing most employer-sponsored LTD disputes.

Wisconsin Insurance CodeWis. Stat. chs. 600–655

Governs Wisconsin-law LTD disputes (individual policies and non-ERISA plans).

State law

Official Sources

U.S. Department of Labor — ERISA Wisconsin Office of the Commissioner of Insurance

Not Legal Advice

This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Wisconsin.

Next step

Move from state law into guided help or attorney search.

If you want help applying this information to your situation, start with guided help or browse attorneys for this issue in Wisconsin.

Get guided help Browse Long-Term Disability & ERISA attorneys

Long-Term Disability & ERISA Laws in Wisconsin.

Key Wisconsin Statutes

Official Sources

Not Legal Advice

Move from state law into guided help or attorney search.

Other state law topics.