If your insurance claim has been denied, delayed, or met with endless requests for more information, you’re not alone. Many people in Texas face obstacles when seeking to get the benefits they rightfully deserve after a serious illness, injury, or loss.
The system can feel exhausting, especially when you’re already facing physical, emotional, or financial hardship. At ERISA Insurance Claim Attorneys, we understand the frustration and doubt that come with these challenges.
Our Austin insurance claims lawyers navigate the complex world of ERISA insurance claims so our clients can focus on what matters most—their health and future. We have over 30 years of experience managing these claims, so we will handle the toughest cases. Call us today for a free consultation.
Understanding ERISA and Its Importance
The Employee Retirement Income Security Act (ERISA) of 1974 is a federal law that manages employer-provided insurance plans, including disability and life insurance. While ERISA aims to protect employees, its regulations are complex and can be hard to navigate.
Insurance companies often use these complexities to their advantage, denying valid claims based on technicalities, vague policy language, or a lack of “sufficient” medical evidence.
Additionally, ERISA claims follow a strict set of rules, and failing to meet deadlines or provide the right documentation can permanently affect your ability to recover benefits. We handle complex matters for our clients and work to recover their deserved benefits.
For a free legal consultation with a Insurance Claim lawyer serving Austin, call (225) 201-8311
Our Austin Insurance Attorneys Handle Various Kinds of Claims
Filing an insurance claim should be a simple process, but for many, it can become an uphill battle. Insurance companies often look for reasons to deny, delay, or minimize claims, leaving individuals and families without the financial support they expected.
Whether you need help filing an initial claim, appealing a denial, or pursuing litigation, we will fight for you.
Below are the types of insurance claims we handle and how we can help.
Short-Term Disability Insurance Claims
Short-term disability insurance offers financial support when you’re temporarily unable to work due to illness or injury. However, obtaining these benefits isn’t always straightforward. Insurance companies may deny claims based on insufficient medical evidence or paperwork errors.
Our Austin short–term disability lawyers assist clients by:
- Collecting and organizing necessary medical documentation
- Ensuring all paperwork is accurately completed and submitted on time
- Communicating directly with insurers to address any issues
Long-Term Disability Insurance Claims
Long-term disability insurance provides extended support if you cannot return to work for a long time. These claims often involve careful reviews and can be subject to strict scrutiny.
Our Austin long-term disability lawyer will:
- Carefully review your policy to understand its terms and conditions
- Gather comprehensive medical and employment records to support your claim
- Represent you in appeals if your claim is denied
Accidental Death and Dismemberment (AD&D) Insurance Claims
AD&D insurance offers benefits in cases of severe injury or accidental death. Claims can be denied if insurers dispute the nature of the accident or the extent of injuries. Austin accidental death insurance lawyer will:
- Look into the details surrounding the accident
- Collect key evidence to substantiate the claim
- Advocating on your behalf to ensure rightful benefits are paid
Life Insurance Claims
Life insurance aims to provide financial security to beneficiaries after a loved one’s death. Unfortunately, claims can be delayed or denied due to policy disputes or alleged false statements.
The services our Austin life insurance lawyers handle include:
- Reviewing the policy to clarify coverage details
- Assisting in gathering necessary documents, such as death certificates and medical records
- Challenging unjust claim denials to secure the benefits owed
ERISA Litigation
When internal appeals don’t resolve claim disputes, litigation may be necessary. ERISA litigation involves taking legal action against the insurance company to enforce your rights under the policy.
Our experienced team will:
- Assess your case to determine the best course of action
- Represent you in federal court, as ERISA cases are typically handled at this level
- Strive to achieve a favorable outcome, whether through settlement or trial
Bad Faith Insurance Claims
Insurance companies are obligated to handle claims fairly and promptly. When they fail to do so, it may constitute bad faith. Examples include unreasonable delays, inadequate investigations, or unjustified denials.
Our insurance claims lawyers handling claims in Austin can:
- Identify instances where the insurer may have acted in bad faith
- Pursue additional compensation beyond the original policy benefits
- Hold insurance companies accountable for their actions
Austin Insurance Claims Lawyer Near Me (225) 201-8311
We Offer Personal Attention and Support When You Need It Most
We intentionally limit the number of cases we handle to provide dedicated and personalized support to each client we help. We also understand the emotional and financial strain that comes with denied insurance claims and are committed to guiding you through every step of the process.
You don’t have to handle your situation alone. Call the team at ERISA Insurance Claim Attorneys today to discuss your case during a free consultation.
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Recoverable Damages in an ERISA Insurance-Related Claim
When your insurance claim is wrongfully denied or delayed, it can put you in a difficult financial and emotional position. While ERISA law limits the types of damages you can recover compared to other legal claims, our firm fights to ensure you receive every benefit you are entitled to.
Depending on your case, you may be able to recover:
- Unpaid insurance benefits: We’ll pursue the full amount of benefits owed under your policy, whether for short-term disability, long-term disability, life insurance, or accidental death and dismemberment (AD&D) claims.
- Past–due benefits: If an insurance company delayed or wrongfully denied your benefits, you may be able to recover the full amount of past-due payments.
- Future benefits: If your insurance company refuses to approve ongoing or future benefits, we can fight to have them reinstated.
- Attorney’s fees and court costs: In some cases, the court may order the insurance company to cover your legal costs if you win your claim.
- Interest on delayed payments: If your benefits were wrongfully withheld, you may be entitled to interest on those payments.
Unfortunately, ERISA law does not allow claimants to recover punitive damages or compensation for emotional distress caused by a denied claim. However, our insurance claims lawyer in Austin, TX, will use every tool available to make sure our clients receive the full benefits they deserve.
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Our Austin Insurance Claims Lawyers Will Work to Secure Your Benefits–Call Us
Dealing with denied or delayed insurance claims can be frustrating and disheartening. At ERISA Insurance Claim Attorneys, we’re here to ease that burden and fight for the benefits you’re entitled to. We urge you to contact us as soon as possible so we can start on your claim promptly.
Contact us today for a free consultation, and let our Austin insurance claims lawyers help you navigate the complexities of your insurance claim.
Call or text (225) 201-8311 or complete a Free Case Evaluation form