Hiring an Employee Benefits Lawyer
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 the odds are stacked against you, but having a great lawyer on your side can make all the difference. If your employer has denied your benefits, hire an experienced employee benefits lawyer to handle your case.
What is ERISA?
ERISA is the Employee Retirement Income Security Act of 1974. It regulates your employer’s insurance policies, retirement plans, and group benefit plans. ERISA lays out protections for you as an employee. It also sets the standards and procedures that your employer must follow to meet minimum requirements.
When Should I Hire an Employee Benefits Lawyer?
If your ERISA claim has been denied or unreasonably delayed, it’s important to contact an employee benefits attorney as soon as possible. This is because you only have so much time to appeal before the decision is final. While ERISA is supposed to protect employee interests, sometimes ERISA claims are unjustly denied, underpaid, or delayed. Employee benefits lawyers can use their expertise to determine whether your claim might have been unfairly decided.
If you’ve filed an ERISA claim, you will usually get an answer from your insurance company within 90 days. Sometimes your insurance company will need more time to answer, up to 90 additional days. If this happens, it will send you a letter to notify you that it is still reviewing your claim. Once it makes a decision, it will notify you by mail.
If you receive a letter denying your ERISA claim, it’s critical to act fast. The time you have to respond depends on the type of claim. The most common cases are disability claims, life insurance denials, and pension and retirement plan claim.
You may be entitled to disability benefits if you’re unable to work full-time. If your employer denies your long-term or short-term disability claim, you only have 180 days to file an administrative appeal. If you are denied disability benefits, you should contact an employee benefits attorney immediately.
Life Insurance Denials
If your employer’s life insurance benefits are wrongfully denied, you have 60 days to appeal the decision. If you have been denied life insurance benefits, contact an employee benefits lawyer right away.
Pension and Retirement Plan Denials
If your 401(k) claim, Individual Retirement Account claim, Supplemental Executive Retirement Plan claim, or Employee Stock Ownership Plan claim was denied, it’s important to contact an attorney as soon as possible. An employee benefits lawyer can help you navigate these complex processes and inform you of your rights.
Contact Peace Law Firm’s Employee Benefits Lawyer
If your ERISA claim has been unfairly denied, don’t wait to assert your legal rights! Our accomplished employee benefits attorney handles the full spectrum of ERISA claims cases. Peace Law Firm will make sure your employer or insurance company is held accountable. Contact us today for a free consultation with an employee benefits lawyer.