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ERISA Lawyers for South Texas Nuclear

ERISA Lawyers for South Texas Nuclear

Disabled workers face a variety of obstacles when it comes to employment. For one, the federal government actually allows employers to pay disabled workers less than workers without disabilities, and even less than the minimum wage. Some disabled people are paid as little as a dollar an hour or are paid in gift certificates, as Vox reports. Another uphill battle that disabled employees face is receiving the short and long term disability benefits that the deserve from their employer. Employers are essentially given an out through ERISA, the Employee Retirement Income Security Act of 1974. Once designed to help workers, it has long since been corrupted to work against them by helping insurance companies deny legitimate claims.

What is the Employee Retirement Income Security Act?

The Employee Retirement Income Security Act (ERISA) is a federal act that regulates employer-sponsored disability, as well as retirement savings. When it comes to disability benefits, both short and long term, ERISA has been molded since its inception to work for employers and their insurance companies, who profit off of denying injured workers the benefits that they need to pay their mortgage and other bills. Nowadays, it is not uncommon for an insurer to deny coverage for essentially no good reason, or to unexpectedly take away benefits that a disabled employee has been relying upon for months or years.

Filling for Employer-Sponsored Disability Benefits

Because South Texas Nuclear offers employer-sponsored short and long term disability, you must file with their insurance carrier, instead of filing through the Social Security Administration, in order to receive your employee benefits. Private insurance companies are only in business because it is profitable, and the chief way they boost their profits is by denying claims. Common reasons, or excuses, that an insurer may make for denying a claim include the following:

  • Missed a filing deadline;
  • Claim did not include complete information;
  • Insufficient medical evidence;
  • Evidence that the injury is not disabling;
  • Pre-existing injury or illness; and
  • Other policy exclusions.

Reach Out to a South Nuclear ERISA Lawyer Today

Having a disability due to illness or injury, even if it is a short term disability, brings a serious financial risk. Not having a disability benefit income can lead to mounting debt, improper medical care, and home foreclosure. In fact, 40% of the homeless population has a disability, according to the National Health Care of for the Homeless Council. You need to work with an attorney to ensure that you claim is approved. Contact the South Texas Nuclear attorneys at the Law Offices of J. Price McNamara today for help filing your claim.

 

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