Seattle ERISA Attorneys
ERISA Claim Management for Disabled Individuals
Long-term disability insurance benefits should be there to help you make ends meet after you are unable to hold gainful employment due to disability. Unfortunately, using the insurance benefits you get through your employment or a privately purchased plan is not always so simple, especially when an insurance company gets the idea to deny a claim without proper reasoning. Kantor & Kantor, LLP and our Seattle ERISA lawyers are here to help you deal with insurers – or even your own employer – so you can confidently pursue the long-term disability (LTD) benefits you need and deserve.
What Exactly Is ERISA?
If you are getting LTD insurance coverage through your employer, then there is a high chance that the policy is governed by the Employee Retirement Income Security Act (ERISA). This act was drafted to protect retirement pensions and disability insurance benefits guaranteed to workers who earn them. Within ERISA, there is a list of rules and regulations that insurance companies and financial institutions must follow. When one of these regulations is violated, it can open up the doors to an ERISA violation investigation and lawsuit, which could end with the company being fined and the worker gaining much-deserved compensation.
Common ERISA Violations
Four of the most common causes of ERISA violations are:
- Unjustified claim denials
- Firing an employee to cancel benefits
- Breach of fiduciary duty owed to policyholders
- Losing policyholder benefits due to negligence
Our team focuses on insurance denials. Call (877) 220-0556 now to learn more.
Many people come to our doors because they need help with filing an ERISA appeal after their claim was wrongly denied. The process will never be “fun,” but it doesn’t have to be a serious detriment. Let us navigate your case through the procedure, so you don’t have to worry about the stress of it all.
The appeals process will generally include the following steps:
- Identifying the authorized representative if not yourself
- Gathering relevant medical and financial records
- Reviewing the insurance policy for specific instructions regarding appeals
- Create the appeal and a statement as to why it should be honored
- Filing the appeal via certified mail
- Issuing a response and planning for litigation if the appeal is unsuccessful
Our Seattle ERISA lawyers can help you with every step along the way for your appeal and then some. We are focused on achieving the best possible outcome that gives you the most money and/or benefits.