ERISA Life Insurance Claim Denied Attorney
Was your ERISA Life Insurance Claim Denied? We know that ERISA life insurance law is confusing and complicated, but our ERISA life insurance lawyers can help you to understand your rights. Our ERISA attorneys work tirelessly to stay current on the ERISA laws. We have prepared the following to help you understand what needs to be done if your ERISA life insurance claim denied. If you still have questions, please give us a call or use the form on this page to submit a question. There is no obligation, we will take the time to answer your questions with no strings attached.
What is ERISA Life Insurance Coverage?
The Employee Retirement Income Security Act of 1974, or ERISA for short, establishes standards for life insurance, disability insurance and other such benefits made available through your employer. A life insurance policy offered through your employer is covered by ERISA, but life insurance purchased independently is not.
What Does the ERISA Law Do?
The ERISA law regulates insurance companies and employers as the administrators of your benefits plan. ERISA requires your plan administrators to do their jobs with the highest degree of responsibility. Generally, ERISA regulates such things as reporting and accountability, disclosures, procedural safeguards and financial interests of plan participants. An ERISA life insurance attorney can explain ERISA regulations to you and discuss your options during a free case evaluation. Give us a call or submit a request for a free case evaluation today.
What Should I Do If My ERISA Life Insurance Claim Has Been Denied?
ERISA imposes a lot of regulations on life insurance companies, but it also has strict deadlines and requirements for plan participants. If your ERISA life insurance claim denied, you are required to file a written appeal before you can sue the insurance company. Your appeal will typically be reviewed by an independent claims examiner who will decide your appeal. You will likely only have one chance at an appeal and there are strict deadlines to file. Retaining an experienced ERISA life insurance attorney may ensure the success of your ERISA appeal. ERISA life insurance lawyers will handle the deadlines and complexities of filing your administrative appeal. Most importantly, an experienced ERISA life insurance attorney will make sure that everything you need to prove your case has been submitted with the appeal. If your ERISA life insurance claim appeal is denied by the examiner, only the evidence submitted during the appeal will be allowed in a lawsuit.
What Should I do if My ERISA Life Insurance Appeal is Denied?
After you have exhausted the ERISA life insurance Appeal process, your ERISA life insurance attorney will prepare your denied life insurance claim for litigation. There are many limitations on the lawsuit and, again, there are strict deadlines that must be met. Getting a life insurance attorney involved early in your case will greatly improve your chance of success in court. An experienced life insurance attorney knows how to prove your case in court. They would ensure that all of evidence to prove your case had been filed with the appeal and that a proper record of the administrative appeal is filed with your lawsuit. The judge in ERISA life insurance cases may only consider the record from the appeal. No other evidence can be submitted, and no witness testimony will be heard by the court.
Do I Need an ERISA Life Insurance Lawyer?
You are not required to hire an attorney, but in most cases, you will be far better off if you do. The process can be daunting to a lay person and one missed deadline or forgotten piece of evidence could mean the end of your case. You should retain an ERISA life insurance attorney as soon as your claim has been denied. Your attorney will handle the rest for you. You can also retain an ERISA life insurance attorney without any money upfront. In fact, our ERISA life insurance lawyers only get paid if there is a successful outcome in your case. So, there is no reason to delay. Call and speak with one of our helpful attorneys today.