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Palm Beach County ERISA Lawyer

Palm Beach County ERISA Lawyer

If you have experienced a debilitating illness or injury that keeps you from earning a living, you are not alone. The Council for Disability Awareness purports that one in four working Americans will experience such a condition at some point during his or her working life. If you are an employee who is protected by an Employee Retirement Income Security Act of 1974 (ERISA) disability plan, it is essential that you understand your plan and the procedures required to access your benefits. In the event the convoluted requirements are too perplexing to understand, or your application for benefits is denied, you could benefit greatly from the experience of a local ERISA attorney.

How Likely are You to Require These Benefits?

In any given year, about 6% of workers will become disabled for up to six months due to an issue that is not related to an occupational incident. The most frequent health issues relating to short-term disability include:

  • Pregnancy (25%);
  • Spine, hip, shoulder, or knee issues (20%);
  • Hernias, gastritis, and other digestive issues (nearly 8%);
  • Depression and other mental health impairments (over 7%);
  • Muscle and ligament issues such as sprains and strains (7.5%).

Dependence on ERISA Plans

When an employer provides disability coverage through a federal ERISA plan, injured employees are more than likely dependent on the benefit for their very survival. Workers’ Compensation does not address issues that are not directly related to the workplace, and Social Security Disability claims are denied for over 75% of claims. That means the ERISA coverage is the only support workers have. Considering that medical bills and lost jobs result in the majority of bankruptcy filings in this country, the consequences of ERISA denials are profound.

Reasons for ERISA Claim Denials

ERISA providers that deny employee claims for disability benefits generally point to particular issues with applications:

  • Requests for coverage for medical issues that are not covered under the plan;
  • Challenges to a doctor’s medical conclusions;
  • A failure to submit materials within required timelines;
  • Incomplete or inaccurate applications.

We can Help

In order to avoid the let down of an ERISA denial, or to appeal one that has already been delivered, allow the experienced legal team at the Law Offices of J. Price McNamara to take up your case. We know how to approach the application and appeal processes in order to achieve the best possible results for you. Our team will:

  • Provide a comprehensive and correct application package on your behalf, complete with the documentation, affidavits, and details necessary to ensure consideration;
  • Challenge a denial with an aggressive negotiation process with plan administrators;
  • Take the case to court in the event the insurer is unwilling to budge to provide a reasonable benefits package.

To get us working on your side, contact the Law Offices of J. Price McNamara in Palm Beach County today to schedule a confidential consultation.

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