The Employee Retirement Income Security Act of 1974 (ERISA) protects the interests of workers and their families who depend on private employee benefit plans – including pensions and most Long Term Disability insurance plans. ERISA sets guidelines that private benefits plans must follow, and it also gives workers the legal right to appeal when their claims are denied.
If you need to file a Long Term Disability ERISA claim for the first time or you need help filing an appeal, the Long Term Disability appeal attorneys at Fields Law Firm can help you get the benefits you need.
Getting Your Long Term Disability ERISA Benefits
ERISA’s rules and regulations are updated frequently, which means knowing your rights as an ERISA policyholder can be difficult. Our Long Term Disability lawyers keep up with changes to ERISA law, and we’re here to help you through the claims process.
Our legal professionals can assist you with:
- Getting your summary plan description.
Upon your request, your ERISA-backed Long Term Disability provider must give you a summary plan description outlining what benefits you have, how benefits can be obtained or lost, and your rights and protections under ERISA. This document can be obtained from your insurer and/or your employer and we can answer questions about your policy. - Filing your Long Term Disability claim.
ERISA requires insurers to share written copies of the process for filing claims with policyholders. We can help you submit your claim for benefits according to your plan’s specific guidelines, so you have the best possible chance of getting your claim approved. - Appealing your claim.
In the event your claim is denied, ERISA gives you the right to file an administrative appeal. Under ERISA, you have at least 180 days to appeal your claim – sometimes longer depending on your plan. At Fields Law, we know you’re focusing on getting better, and we can assist you with submitting an accurate and timely appeal.
ERISA guidelines can be complex because they change often. Our Long Term Disability lawyers can guide you through every step of the claims process. If you want to know more about getting the disability benefits you need, contact our Long Term Disability law firm today.
