What Happens If My Employee Benefit Claim Was Denied?
At McKennon Law Group, our attorneys work alongside beneficiaries with unions or employer-supplied life insurance policies that involve issues laid out in ERISA, Employee Retirement Income Security Act.
If your appeal is denied, our attorneys are among the best in the nation for bringing a legal action to recover your benefits and enforce your rights. Read on to learn more about ERISA, ERISA claims, and what actions you can take to get the money you deserve.
What is ERISA?
Most of the life, health and disability policies issued through employers in the United States are governed by the Employee Retirement Income Security Act of 1974. The Employee Retirement Income Security Act (ERISA) is defined as “a federal statute which delineates minimum standards for the administration of private industry’s pension plans and establishes the impact that federal income taxes will have on transactions associated with management of such pension plans.”
Additionally, this act also creates causes of action for employee plan participants and their beneficiaries. Under ERISA, employers have financial responsibilities, and employee plan participants can sue the employers in cases of breach of these responsibilities. ERISA provides equity as the remedy for breach of fiduciary duty.
Why Do I Need A Lawyer To Deny ERISA Claims?
If your ERISA claim was denied, you should consider consulting with an insurance litigation attorney and appealing the decision immediately. At McKennon Law Group, we have extensive experience dealing with denied ERISA claims. We have a high success rate of recovering insurance money for those who are entitled to it. We always make sure that, every step of the way, you feel confident and understand the process, and feel assured that your case is always handled professionally.
Our team of attorneys at McKennon Law Group can help those in need with claim denials for many different reasons:
- Claims denied because of changed marital status
- Claims denied because of exclusions
- Claims denied because of a employer’s oversight or mistake
- And much more.
Our Newport Beach ERISA attorneys can offer sound legal advice in every stage of your ERISA claim. We will take the time to explain to you in detail how ERISA works. We’ll let you know all the ways in which you can protect your rights to life insurance beneficiary money, as well. ERISA involves mandatory administrative appeals and strict deadlines, so it is imperative that you know your rights and swiftly hire an ERISA attorney.
How Does A Lawyer Help Me With A Denied ERISA Claim?
If your appeal is denied, you can bring a legal action to recover your benefits and enforce your rights. ERISA claims are the most frequently litigated cases in federal court, and our lawyers have decades of experience helping with these claims.
For those who have yet to file an ERISA claim, we can provide guidance and assist with the claim filing process. It’s best to begin the process of filing a claim with the oversight of an attorney so you can be sure to not miss out on any important steps or supplying any important information necessary.
If your ERISA claim is denied, we can help you understand the contents of the denial letter so you can understand why the claim did not process. If the claim was denied wrongfully, and we believe the insurer has been acting in bad faith, we can help you file an appeal.
For those who are experiencing delays in receiving their ERISA claim, our team of attorneys can work to speed up the approval and payout process as best we can, by serving as a point of contact between you and the insurer. Our goal is to make the expediting process as smooth and effective as possible, so we handle all of the legwork on your behalf.
In representing clients with ERISA lawsuits, we demonstrate before a judge, if necessary, that the employer has breached their financial responsibility that is laid out under ERISA, or that the insurance company has breached their responsibility. If your beneficiary designation was challenged in any way by another claimant, we can stand by your side and defend your right to that money as well.
Call McKennon Law Group Today For A Free Consultation Regarding Your ERISA Claim
We understand how frustrating it can be to fight back against a denied or delayed claim. Our attorneys have been litigating ERISA insurance, disability insurance, life insurance, accidental death and dismemberment insurance, health insurance, bad faith and other insurance matters since 1986. We are nationally recognized in insurance litigation and have led numerous seminars and written many articles dealing with insurance claim issues.
Call our team of attorneys today for a free, no-obligation consultation regarding your ERISA claim.