PURPOSE OF ERISA
The Employee Retirement Income Security Act (ERISA) is meant to protect the interests of workers and their families who rely on pensions, long-term disability plans, and other group benefit packages. ERISA sets the guidelines on group benefits plans and affords covered employees certain rights, including the right to appeal a denial of their claim for benefits.
ERISA in Depth
ERISA requires plans to inform participants with plans regarding information about features and funding. This bestows responsibilities to the providers, the ones who manage and control the assets of those who rely on pensions and disability plans.
The participants of these plans are given the right to sue if they feel like their assets are being mishandled by those who manage the trust. In recent years, there have been expanded health benefits to participants to give them more rights.
Also, in the case of a lost job, participants are sometimes able to extend their health benefits for a limited amount of time in the event of losing their job.
ERISA is a way for individuals with pre-existing conditions to receive coverage. But with each case, there may be unforeseen hurdles that block coverage. Your case may have been mishandled due to all the complications that come with filing a claim. You need professionals to help you with these matters.
When filing a long-term disability claim, Beedem Law can be the friend you need to guide you through the ERISA claims process. Our legal team can help you with the following actions:
File your long-term disability claim. Policyholders have to share written copies of the filing process and we can help you submit your claim. This is a very important requirement, you need professionals working with you so this can be done lawfully.
Get a summary plan description. We can answer questions once your insurer or employer provides a document showing a summary plan description, including what type of benefits you have, how to obtain benefits and your rights and protections under ERISA, etc.
Appealing a claim. If your claim is denied, ERISA affords you the right to file administrative appeal and you have 180 days to appeal the claim. We can help you submit an appeal within that timeframe.
ERISA claims can be exhaustive and complex. That is why you need help from a Minnesota ERISA claims attorney. The sooner you contact us, the better your situation will become.