Most employer-provided disability plans are governed by the Employee Retirement Income Security Act (ERISA), while the employer pays the insurance premiums for the coverage. These policies are designed to provide benefits to cover a number of conditions, including but not limited to cancer, degenerative diseases, mental disorders, etc., incurred both on and off the job.
However, insurance companies frequently craft these policies to have tricky loopholes, such as defining disability in such a way as to halt one’s benefits after 12 to 24 months. This is why working with an attorney in order to ensure that you have submitted an application that has the right medical documentation and reflects an understanding of your individual policy is absolutely imperative in order to ensure that you are protected for the length of time that you need regarding your disability. Contact our Macon Long-Term Disability Lawyer today to find out more.
ERISA provides claimants with certain rights and requirements, such as:
The federal ERISA law preempts state law, and this means that there are no bad faith/punitive damages available if you have to bring suit. Under ERISA, you can recover the benefits you are due, as well as interests, costs, and attorney’s fees. ERISA does mandate that the insurance company conduct a “full and fair review.”
If you are thinking about applying for benefits, or have been waiting too long to hear back, or have been denied benefits, including due to claims that you went “out of network” for treatment, contact our experienced Macon Long-Term Disability Lawyers today to find out how we can help.
It is important that you act quickly in order to preserve your rights. For years, our practice has been dedicated to handling disability claim disputes, and ERISA appeals are far too complicated for anyone to attempt on his or her own without the assistance of an ERISA expert attorney. We provide free consultations and are only paid if you are paid.
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