Compliance Memos: January 2017

Tasha Patterson@Work

Compliance Memos_January 2017By John C. Garner, CEBS, CLU, CFCI, CMC

Chief Compliance Officer
Bolton & Co.

DOL Issues Final Regulations on Disability Claim Procedures

Long-anticipated Department of Labor (DOL) regulations affecting disability benefit claim procedures will add substantial new claimant protections.

Major provisions include: claims and appeals must be adjudicated in a manner designed to ensure independence and impartiality of the persons involved in making the benefit determination; benefits denial notices must contain a complete discussion of why the plan denied the claim and the standards applied in reaching the decision; claimants must be given timely notice of their right to access their entire claim file; required notices and disclosures issued under the claims procedure regulation must be written in a culturally and linguistically appropriate manner. To learn more, visit

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