When employers offer benefits like a 401(k) plan, health insurance, or life insurance, employees have legal rights in the event of a dispute. The federal Employee Retirement Income Security Act, commonly referred to as ERISA, governs employee benefits and protects the rights of all plan participants. Disputes falling under ERISA guidelines are complex and quite […]
ERISA stands for the Employee Retirement Income Security Act. It is a federal law that governs private employers that have 25 or more employees and provide pension, retirement, or other plans. ERISA section 510 protects participants in and beneficiaries of employee benefit plans governed by ERISA. ERISA section 510 also applies to people who have […]
Navigating the world of ERISA and employer benefits claims is complicated, with countless rules and procedures to follow. Meanwhile, your employer and insurance company are looking out for their interests. In some cases, you file a claim to get the support you need, and your claim is denied. At this point, it might feel like […]
Have your ERISA benefits been denied or underpaid? Read on to understand the circumstances under which it might be in your best interest to consult with a qualified ERISA attorney about your claim. The Employee Retirement Income Security Act (ERISA) is a federal law that regulates many insurance plans and group welfare plans that are […]
The Employee Retirement Income Security Act (ERISA) was passed in the 1970s to help shore up the nation’s pension system after a series of high-profile implosions. ERISA sets standards that plan administrators must follow that safeguard the pensions and make it less likely that they will go bankrupt. ERISA has also expanded to cover a […]
The Employee Retirement Income Security Act (ERISA) protects employees’ retirement and health benefits. ERISA grants various rights to employees participating in a benefit plan covered under the Act. ERISA also provides causes of action for enforcing those rights. There are many claims that you can bring under the ERISA statute. Congress wanted to give the […]
ERISA is not a form of disability insurance It is important to realize that ERISA is not a form of disability insurance. Instead, ERISA is a federal law that will govern how a disability insurer will sign up plan participants, analyze their claims, and award benefits. In other words, it is a set of rights […]
If your employer offers group long-term disability insurance, then you probably made a claim with the insurance company after falling ill or being injured. Once denied, you should begin considering whether to bring an appeal. To succeed on your denial of benefits claim, you’ll need to prove the following: You properly made your requests for […]
If you have a group long term disability plan, then ERISA is definitely relevant for you. The fact is that many people will end up with a disability at some point in their working life. The statistics are staggering. According to the Social Security Administration, about 25% of 20-year-olds will have a disability before they […]
There are many reasons that ERISA claims are denied. Your Notice of Denial letter from the insurer should spell out clearly why you were denied benefits. ERISA has set out requirements of what must be included in your Notice of Denial, including: The specific reasons for your denial.The plan provision relied on for denying you […]