ERISA Lawyer Serving South Carolina and North Carolina
Facing an ERISA claim denial?
It might feel hopeless, but it's not.
John Peace and the Peace Law Firm are here to help.
We've successfully appealed numerous denials, and we'll help you too.
If you want to talk today, we're ready. Just reach out for a free consultation.
More About ERISA Claims and Denials
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that regulates the administration of employer-sponsored retirement plans, insurance policies, and other group benefit plans.
ERISA standardizes the claims procedures and provides some important legal protections to claimants. At the same time, employers and insurance companies have developed a wide array of tools and strategies to tilt the process in their favor.
Unfortunately, in practice, many ERISA claims are unfairly underpaid, delayed, or outright denied.
At the Peace Law Firm, our experienced Greenville ERISA claims lawyer represents employees and beneficiaries in the full range of employment-related group benefits cases. We know how to hold insurers and employers accountable.
Whether you're facing a rejected disability claim, a life insurance claim denial, or you are struggling to obtain your retirement benefits under an ERISA plan, we are here to help. For a free ERISA consultation, please do not hesitate to contact our Greenville, SC law office today.
We are a Full-Service ERISA Law Firm
If you are currently unable to work on a full-time basis, you may deserve disability benefits. If you have an employer-backed disability plan, then ERISA regulates your claim. John Peace has extensive experience representing employees and other beneficiaries in long-term disability (LTD) claims and in short-term disability (STD) claims.
After a disability claim denial, you need to take immediate action. You only have a limited amount of time to file your administrative appeal. For help with your case, please contact our law office today.
Life Insurance Denials
Many employee benefits packages include some coverage for life insurance benefits. If you filed a life insurance claim under an ERISA plan and you believe that your benefits were wrongly denied, you need to take immediate action. With life insurance claims, you generally only have 60 days to file an appeal. Our Greenville ERISA lawyer is standing by, ready to help you fight for your benefits.
Pension/Retirement Plan Claims
We also handle the full range of pension and retirement plan claims brought under ERISA. This includes:
- 401(k) claims
- Employee Stock Ownership Plan (ESOP) claims
- Individual Retirement Account (IRA) claims
- Supplemental Executive Retirement Plan (SERP) claims
Regardless of the specific nature of your claim, we can help you determine the steps you need to take to secure retirement benefits. To get help with your ERISA retirement plan claim, please contact us today.
What to Do After An ERISA Claim Denial
Companies may delay, underpay, or deny ERISA claims for a wide range of different reasons. Once you file an ERISA claim, you will generally receive an initial response within 90 days.
Under ERISA regulations, insurers must process most claims within 90 days. Though, insurance companies are automatically granted a 90-day extension if they need more time to review your application. If the insurance company requires an additional 90 days to process your claim, you should receive notification to that effect.
Once a decision happens on your ERISA claim, you will receive a written letter. If the letter is a denial of your claim, the insurance company has a duty to explain the reasoning behind the rejection.
Unfortunately, these explanations can often be difficult to parse — insurers frequently use vague and
Notably, you have very limited time to file an appeal in an ERISA claim. How long depends on the nature of your claim. With disability claims, applicants generally have 180 days to appeal. However, with life insurance denials, claimants generally only have 60 days to file an appeal.
In ERISA cases, you cannot file an immediate lawsuit for your benefits. Your initial appeal must be at the administrative level. This means that
How Our ERISA Lawyer Can Help
ERISA claims are notoriously complex. There are many rules and procedures that claimants must follow in order to ensure that their appeal will be handled properly.
Unfortunately, employees and beneficiaries cannot rely on their employer or the insurance company for advice. Insurers are fundamentally focused on protecting their own financial interests. After a claim denial, you need an experienced Greenville ERISA lawyer on your side.
At the Peace Law Firm, we commit to serving employees and beneficiaries in the full range of ERISA claims. We never represent insurance companies. When you reach out to our law firm, we will:
- Conduct a free, comprehensive evaluation of your claim
- Explain your rights and options to you
- Gather and prepare all supplemental evidence
- Build a strong administrative appeal
- Negotiate for a fair settlement
- If need, pursue ERISA litigation
Successful ERISA appeals rely on a strong foundation of supporting evidence. In many cases, denials happen because the insurance company believes that the evidence provided is inadequate to support benefits.
ERISA lawyer John Peace will put together a strong, persuasive appeal on of your behalf. We know how to hold employers and insurers accountable. Whether the insurance company denied your long-term disability claim or denied full life insurance benefits, or you are struggling to access retirement benefits, our legal team is here to help.
Speak to Our ERISA Claims Attorney Today
At the Peace Law Firm, we represent individuals in ERISA claims. Our law firm does not represent insurance companies nor does it represent employers. If you're facing an ERISA claim denial in South Carolina, you need to take immediate action to preserve your rights. To schedule a free,