ERISA (Employment Retirement Income Security Act) covers a range of benefit claims including health, disability, and life insurance. One of the best ERISA life insurance attorney in San Francisco said an early ruling issued by the Department of Labor excluded unemployment benefits and some vacation benefit plans. Specific ERISA benefit plans include:
– Disability Plans.
These benefit plan claims create the most problems as it can be difficult to prove that a particular condition prevents a person from working. You have to prove that you have a medical condition that is serious enough to prevent you from working. Some medical conditions are such that certain people are able to work while others with the same condition are unable to work. To have a legitimate claim, you will have to prove that you fall into the second category.
– Health Plans.
Health plan claims present their own difficulties. As health care plans have become ever more expensive insurance companies have responded with ever more restrictions to their insurance policies in a language that is difficult even for lawyers to interpret. You will need the assistance of a professional lawyer experienced in benefit claims to help you with this difficult process.
– Life Insurance Plans. Since strict deadlines apply and there is only one chance to appeal the denial of an insurance claim it is important to consult with a qualified attorney to help you with this complex issue.
The most common causes of action authorized by ERISA to remedy violations include claims for:
– Denial of benefits
– Breach of fiduciary duty
– Interference with beneficiaries or participants exercising their ERISA rights
– Common law ERISA claims
The claims process can be confusing; however, sticking to a few key components will help overcome the common difficulties experienced by employees when submitting a benefits claim to ERISA.
– Be sure that all time deadlines are met;
– Get all the relevant documents together quickly and review them carefully. Review a denial letter carefully and objectively if you can, or get an attorney to do it for you;
– As soon as you have gathered all the evidence, put it together in a logical order and submit it to the insurance company together with a letter setting out all the details in a clear and thorough way.
If you have submitted a claim but have been denied valid benefits under ERISA, you can contact a qualified attorney that focuses on these types of claims for a free consultation that is strictly confidential and without obligation. Attorneys specializing in ERISA benefit claim will be able to help you understand the process and avoid the common pitfalls inherent in these types of claims.