Reno ERISA Attorneys
Federal Disability Claim Management
The Employee Retirement Income Security Act (ERISA) is a federal law designed to ensure employees receive the long term disability benefits they are deserved. Most people covered by an LTD insurance plan receive that coverage as an employment benefit, which means that ERISA laws apply to most LTD claims and cases. However, the purpose of ERISA can only be useful if it is followed, respected, and enforced. Some dishonest insurance companies might still try to deny your LTD benefits despite ERISA law saying otherwise.
If you are in a conflict with an insurance company over long term disability insurance, then turn to the Reno ERISA lawyers of Kantor & Kantor, LLP for assistance. We are here to lend our decades of collective legal experience with a focus on insurance claims to your case. Whatever an insurance company tries to do, we will be ready to counter and challenge it on your behalf.
Make sense of your ERISA claim the easy way. Just dial (877) 783-8686.
How Insurers Violate ERISA
ERISA law sets expectations for long term disability insurance companies to meet when managing a policyholder’s claim or application. When insurance companies do not meet those expectations, either through intentional actions or genuine negligence, it could constitute an ERISA violation.
Four common examples of ERISA violations are:
- Wrongful benefits denial: The easiest way for an insurer to try to avoid paying an LTD claimant a fair payout is by denying their claim entirely, regardless of its validity. Intentionally denying benefits that are deserved is an obvious issue, but it often requires an attorney’s intervention to set things right.
- Lost benefits: A long term disability claim’s benefits might be dependent on financial accounts that must be carefully managed to ensure there will always be LTD benefits available to valid claimants. Losing benefits due to the negligent mismanagement of such an account can be an ERISA violation.
- Breach of fiduciary duty: Account managers can breach their fiduciary duties in other ways that negatively impact your LTD benefits. A fiduciary duty is essentially one party’s written or assumed responsibility to always do what is best for the party they represent or manage.
- Wrongful termination: In some situations, an employer will fire an employee without due cause in an attempt to prevent them from getting LTD benefits through the insurance provided through their employment. Employers may be tempted to take this unsavory action because it can lower their monthly insurance premiums.
What Can Our Attorneys Do for You?
Is an insurance company trying to delay your disability claim? Have they already denied your claim or tried to pay fewer benefits to you than you are deserved? If ERISA law applies to your case, you will want to work with an experienced ERISA attorney who knows the intricacies of this federal law.
Kantor & Kantor, LLP should be the first firm you call in Reno for ERISA claim management and denials. We bring ample experience to each case, as well as genuine compassion that motivates us to do what is best for our clients at every step along the way.
Fill out an online contact form or dial (877) 783-8686 today to get started.
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