I was approved for Short Term Disability for 2+ months and then denied. I filed an appeal providing three doctors records all indicating that I can not work. I have not been released to return to work and have not received any payment benefit in 5 months. I am expecting a decision on the appeal by 2-7-13. in the event that the appeal is denied what is my recourse?My appeal decision has been extended until March 24. I did not receive a letter of explanation but found the date changed when I went online today. My employer is Aetna - Medicaid Division. They provide Short and Long Term Disability under their benefit package. They are self ensured and provider their own coverage. Does this mean they are not covered under ERISA?