Many people get their disability, life and health insurance through their employer and are not aware this may make their insurance claims subject to ERISA, a complex federal regulation that requires you file an ERISA appeal if your claim is denied.
Our firm has extensive experience helping insureds file appeals after their claim is denied and our firm even helps insureds file their disability claims from the start. We have handled thousands of ERISA appeals for denied life insurance claims and disabling medical conditions, including autoimmune diseases such as Fibromyalgia, Chronic Fatigue Syndrome, Sjogren’s and Ankylosing Spondylitis. We have handled disability claims involving Alzheimer’s, Degenerative Disc Disease, Lyme Disease, heart conditions and many other disabling conditions.
Disability Insurance can come in a variety of forms, including Individual Long Term, Group Long Term Disability and Group Short Term Disability, Life Premium Waiver and Business Overhead Expense Disability Insurance. These different areas of Disability Insurance are meant to provide the insured with income during the period they are unable to work. Depending on the type of Disability Insurance Policy you have, your case may be governed by ERISA and you may need to file an ERISA Administrative Appeal prior to filing litigation.
We have a successful track record of winning ERISA Appeals and can help you get the insurance benefits you need and deserve if you are disabled. We have filed appeals involving a variety of insurance carriers, including CIGNA, MetLife, Aetna, Unum, Prudential and Standard Insurance Company, to name just a few.
Under a Life Insurance Policy, the insurer agrees to pay a defined benefit amount to a chosen beneficiary in the event of the insured’s death. There are different types of life insurance policies, including Term Life, Whole Life, Universal Life, Variable Life, Basic Life, Dependents Life and Accidental Death and Dismemberment Policies.
Life Insurance policies are designed to protect and provide for loved ones after the insured passes.
If your insurance carrier refuses to pay benefits, rescinds the life insurance policy or charges unexplained costs, call us for a free consultation.