PHILADELPHIA - Supplemental disability and life insurance coverage is governed by the Employee Retirement Income Security Act because the supplemental policies cannot be unbundled from the employer's broader ERISA benefits plan, the Third Circuit U.S. Court of Appeals ruled Aug. 6 in holding that ERISA preempted state law claims that the insureds were fraudulently induced to purchase supplemental coverage that was worthless (Alexander L. Menkes, et al. v. Prudential Insurance Company of America, et al., No. 13-1408, 3rd Cir.; 2014 U.S. App. LEXIS 15113).