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ERISA Lawyer Athens

ERISA Lawyer Athens

If you are an employee who has received a claim denial from your insurance company, you are no doubt frustrated. After all, you have played by the rules and paid your premiums, and now that you really need help, you are getting nothing but a run-around. Here is what you need to remember: You are not alone. When you need an ERISA lawyer near Athens, Alabama, count on the Law Offices of J. Price McNamara. We have a team of legal talent with the experience and grit to know just how to handle these kinds of situations.

ERISA Employee Protections

Your employer has a legal obligation to handle employee ERISA benefits in an ethical and prudent manner. This relates to a number of areas related to your financial well-being:

  • Welfare plans, including medical insurance, dental and vision insurance, disability plans, unemployment insurance, and death;
  • Pension plans, including profit sharing, 401(k) plans, and ESOP plans;
  • Employee benefit plans.

Understanding Your Plan

Under the 1978 Employee Retirement Income Security Act, company managers are charged with implementing appropriate insurance and retirement plans for employees. The plan’s fiduciary, who manages the program, must ensure that the proper funding is available in the event they are required by an employee. Employees pay monthly premiums expecting that if they become disabled or sick, the ERISA plan will be there to protect them from financial ruin. But every plan is different, and the paperwork can become overwhelming pretty quickly when you need to file a claim. That is precisely why you need the Law Offices of J. Price McNamara on your side.

What We Can Do for You

Recovering the benefits you deserve is job one for the team at the Law Offices of J. Price McNamara. We can assist you through every stage of the process:

  • Filing the Application: We can help you file an accurate and comprehensive application that includes convincing supporting evidence of your illness or disability. That may include a physician’s affidavit, witness statements relevant to an accident, and other documentation testifying to your status.
  • Reviewing the Claim: Waiting while the insurance company considers your claim can seem like years, but legally, they must make a decision within about three months. In some cases, they may seek an additional 90-day extension. At that point, they will either pay your claim or send you a letter explaining why it was denied.
  • Appealing the Decision: We have 180 days to appeal an insurance denial in the event it is necessary. Our team will examine the documentation to determine what we need to do to bolster your case.
  • Federal Legislation: If the administrative appeal does not succeed, you have yet another option. Your legal team can file suit based on ERISA rules.

Your Athens Legal Team

Unfortunately, all too often ERISA claims are denied for bogus reasons that leave employees out in the cold. At the Law Offices of J. Price McNamara, our ERISA attorneys are dedicated to helping clients obtain the benefits they deserve. Wherever you are in the process, we can step in and help to move things in a more positive direction. Contact us in Athens, Alabama for a no-cost, confidential consultation today.

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