ERISA Claims

What Is an ERISA Claim?

An ERISA claim is a legal challenge to a denial of benefits, most commonly long-term disability (LTD) benefits.

The Employee Retirement Income Security Act of 1974 (ERISA) sets standards for disability insurance plans offered by private employers. If an insurance company doesn’t meet its obligations, you can file an ERISA claim to get the benefits you’re owed.

Policyholders and beneficiaries can file an ERISA claim when:

• Seeking benefits under a long-term disability insurance policy
• Appealing a wrongful denial of LTD benefits
• Suing an insurance company if they refuse to overturn a denial

Insurance companies have a fiduciary duty to act fairly and put their policyholders’ interests above their own. When they deny or delay paying legitimate ERISA claims, their actions could be considered bad faith, subjecting them to costly penalties.

LawFirm.com works with ERISA lawyers who have secured over $131 million for workers facing LTD claim denials.

Get a free case review now to see if a top disability attorney may be able to file an ERISA claim on your behalf and fight for the benefits you’re entitled to.

Get the Compensation You Deserve

Take the first step toward compensation and justice for a wrongful disability insurance claim denial.

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Eligibility to File an ERISA Appeal

When an insurance company denies your request for long-term disability benefits, they’re required to send you a letter outlining why your claim wasn’t approved. However, you have the right to appeal this denial.

You may be able to file an ERISA claim to appeal a denial of long-term disability benefits if you’re:

• A worker or former worker enrolled in an ERISA benefit plan provided by your employer
• The beneficiary of a plan participant

ERISA law only applies to private-sector employees, so government employees, military personnel, church workers, and others who fall outside of that category aren’t entitled to its protections.

ERISA benefit claims allow those facing unfair LTD denials to seek compensation to help pay for their medical bills, everyday living expenses, and more while they’re unable to work.

“I can’t express my gratitude enough to the law firm for being my ally in this fight. They stood by me, advocating for my rights and ensuring that I wasn’t left to struggle alone.”

– Illinois truck driver with a denied LTD claim who worked with our partner firm

ERISA Claims and Appeals Process

ERISA provides a detailed process for filing claims for benefits, appealing unjust claim denials, and suing a provider for denying a claim.

An ERISA lawyer can handle all of the paperwork involved in appealing a disability insurance denial, so you can focus on your health and well-being.

The basic ERISA claims procedures include:

• Collecting evidence to support and strengthen your ERISA claim, like medical records showing you have a qualifying medical condition
• Filing an appeal with the insurance company that denied your claim
• Presenting your case in court if the insurer refuses to overturn its decision

Your long-term disability denial lawyer will fight to secure an ERISA lawsuit settlement, allowing you to access the compensation you deserve as quickly as possible during this challenging time.

Don’t delay: Call (888) 726-9160 right now or chat with a case manager so you don’t lose out on the benefits you’re owed.

ERISA Claims and Appeals: Compensation Amounts

LawFirm.com works with top disability lawyers who have successfully filed ERISA claims and appeals on behalf of hardworking Americans across the country.

The ERISA lawyers in our network have recovered over $131 million for victims of unfair LTD claim denials.

Results secured by our ERISA lawyers include:

• $1.36 million to a patient suffering from fibromyalgia and chronic fatigue syndrome
• $800,000 for an LTD claim denied by Unum
• Over $500,000 to a Michigan client denied disability benefits
• $400,000 for a long-term disability insurance denial
• $395,000 to a policyholder with a denied long-term disability claim
• $325,000 for a Michigan policyholder facing a disability claim denial for depression
• $172,000 on behalf of a Chicago woman denied long-term disability benefits
• $155,000 for an Illinois woman in a disability denial case
• $100,000 to a New Jersey patient whose disability claim for mental health issues was denied
• $77,000 for a Cigna disability claim denial in Michigan
• $316,000 to a patient with lupus and fibromyalgia whose claim was denied
• $450,000 for a client denied disability benefits
• $1.15 million on behalf of a woman denied disability insurance benefits

Compensation amounts for ERISA claims can vary based on the facts of each case. Factors like the strength of your medical evidence, how long your disability is expected to last, and your earning potential in your field all play a role in determining your potential payout.

Throughout the process, keep in mind that insurers don’t always offer a fair amount right away. An experienced ERISA lawyer can fight to secure a settlement that reflects the true value of your losses.

Get a free case review now to see if a top disability denial lawyer can file an ERISA claim on your behalf and seek the compensation you deserve.

Get the Compensation You Deserve

Take the first step toward compensation and justice for a wrongful disability insurance claim denial.

Get a Free Case Review

Common Reasons for ERISA Claim Denials

By rejecting valid ERISA claims, insurance companies can avoid paying the money they owe and boost their bottom line. Many insurers have a reputation for unfairly denying long-term disability claims and depriving employees of the benefits they paid for.

Reasons for ERISA claims denials may include:

• Not enough evidence: Your insurance company may claim that you haven’t submitted enough medical evidence to support your disability claim.
• Missed deadlines: There are time limits for filing a claim for benefits and appealing a denial. If you take too long, your ERISA claim could be rejected.
• Incomplete information: Insurers look for any reason to deny a valid claim, including mistakes or missing information in your application for benefits.
• Policy rules: Each long-term disability policy has unique rules for who qualifies for benefits and under what circumstances.

An ERISA lawyer can ensure that your claim is filed correctly and before any deadlines, increasing your chances of a successful outcome.

These legal professionals are well-versed in ERISA claims and appeals procedures, as well as the tactics that insurance companies often use to deny legitimate LTD claims.

Get Help With the ERISA Appeal Process

ERISA appeals for long-term disability denials can be difficult to navigate without the help of an experienced attorney.

LawFirm.com works with ERISA lawyers who can even the playing field for victims of injustice and take on powerful insurance companies.

The ERISA law firms in our network:

• Can help victims in all 50 states
• Don’t charge any upfront costs or hourly fees
• Have decades of experience handling LTD claims

Our legal partners have secured over $131 million for victims facing unfair long-term disability denials.

ERISA claims procedure regulations can be complicated, but you don’t have to go it alone. Get the legal help you need and deserve during this challenging time.

Call (888) 726-9160 right now or get a free case review to see if a top ERISA lawyer can fight hard for you.