If Your ERISA Disability Claim is Denied

If you participate in a group insurance plan offered by your private-sector employer, it is almost certainly an ERISA plan, which means the plan is governed by the Employee Retirement Income Security Act of 1974. Claims for ERISA insurance benefits can be exceedingly complicated and detailed. There is no room for error when you file an ERISA claim.

Have an ERISA claims attorney at the McKennon Law Group help you file an ERISA insurance claim if you are covered by your employer’s group insurance plan, you become disabled, you cannot work, and you need to receive disability benefits. Your attorney can ensure that, at least on your end, there are no mistakes or misunderstandings that could delay the approval of your disability claim or result in the claim’s denial.

What Does an ERISA Disability Claim Require?

Insurance companies closely scrutinize every claim. A claim for ERISA disability benefits must include your own employee statement, an employer statement, and an Attending Physician’s Statement. Your ERISA disability benefits claim must also include a full disclosure of your income and assets.

If you provide any inaccurate information to the insurance company, your disability claim could be rejected, and appealing the denial of an ERISA claim is a costly and time-consuming process. It’s better to submit a complete and accurate claim with an attorney’s help at the start, avoid the need for an appeal, and receive your disability benefits as quickly as possible.

What Will a Lawyer Do on Your Behalf?

If you filed a claim on your own for ERISA disability benefits and that claim has been denied, the insurance company must sent you a letter of denial that includes specific details about why your claim was denied and about how you can file an appeal. When a McKennon Law Group attorney handles your appeal, that attorney will:

1. review your claim, your denial letter, and any related evidence or documents
2. determine what the insurance company believes is missing from your claim
3. ensure that sufficient medical evidence is presented in support of your claim
4. try to have the denial of your claim reversed on appeal

When Should You Appeal the Denial of Your Claim?

You typically have at least 180 days to file an appeal, although some plans may establish longer deadlines. Either way, there is no reason to delay. If you are disabled and can’t work, your debts may be mounting, and you need to have the denial of your ERISA claim reversed as quickly as possible.

For more than seventy years, the attorneys at the McKennon Law Group have advised California consumers who are involved in disputes with insurance companies. We have effectively advised and represented hundreds of clients, and we know how to resolve the most complicated disputes involving ERISA claims and other insurance benefits.

We Provide the Legal Help You Need to Move Forward

If you need to file a claim for ERISA disability benefits, or if you have already filed and your claim has been denied, schedule a consultation with an attorney at the McKennon Law Group by calling (800) 682-4137 or by using the contact form on this website.

Your first meeting with an ERISA benefits lawyer is provided with no cost or obligation. You will receive the personalized advice and the legal help you need to move forward with your claim.