All of your employer-provided benefits have to meet the standards set by the Employee Retirement Income Security Act (ERISA). These benefits include pension plans, long and short term disability, life insurance plans, health insurance plans, and more. ERISA ensures that employees are provided information about their plans, that an appeals process is in place, requires a fiduciary duty for those who manage the plans, and allows employees to sue for breaches of fiduciary duty according to the Department of Labor. However, there are a lot of negatives attached to ERISA that hurt employees who are in need of their benefits as soon as possible. Our ERISA Lawyers for Limerick Generating Station can help with ERISA benefits.
ERISA is a federal act, created in 1974 to establish minimum standards and rules for private health plans and benefit packages provided to employees through their employer. While this sounds only like a good thing for employees, ERISA has been warped from its original intentions. Instead of helping employees, it now makes the claims process more difficult, and easier for insurance companies to deny claims or strip away benefits without warning. This is thanks to insurance lobbyists helping to change the law in favor of insurance companies and employers.
So, while the ERISA claims of thousands of faithful employees are denied on a weekly basis, insurance carriers and employers continue to soak up the profit. Common reasons that ERISA claims are denied include the following:
If your claim was denied for any reason, there are options for you to take. However, you need to take action quickly before the appeals time limit passes. An ERISA attorney servicing Limerick Generating Station can help.
Most American families do not have enough for retirement, according to CNBC News. In fact, the average U.S. family has just $5,000 saved. This comes nowhere near enough for retirement, paying medical bills, or dealing with the financial strain that comes with a disabling illness or injury. The employer-sponsored benefits provided by Limerick Generating Station should be seen as just another part of your salary, available to you when you need them. To ensure that your ERISA claim gets approved, call or contact the Law Offices of J. Price McNamara today to set up a free consultation with our ERISA Attorneys for Limerick Generating Station.
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