I am the beneficiary of an ERISA LTD plan that has been paying me monthly. If I were to lose a claim being made by a third party against me personally - could the LTD carrier be forced to pay my benefit or garnish that benefit on behalf of that third party? If so, my objective is to plan ahead to protect that benefit from a creditor i.e. is it likely my LTD carrier would be amenable to transferring the claim to my trust vs. paying it to me? I open to other suggestions that would effectively shield my benefit from a third party.