Many employers in Savannah and throughout Georgia use the lure of benefit packages to draw qualified employees to their businesses. Indeed, it is rare for a worker to decide on a place of employment without regard for these perks. However, while these packages can provide valuable benefits to employees, the fact that they are attached to employment complicates situations in which a policyholder may need to dispute a claim denial. This is because a federal law known as the Employee Retirement Income Security Act (ERISA) controls all employer-provided benefit plans. These can include retirement plans, health insurance, and even life insurance. ERISA establishes a set of baseline standards to which all plan providers must adhere, but it also places an additional burden on policyholders that can complicate and lengthen any dispute. Contact a Savannah ERISA lawyer to begin investigating your potential legal options.
A dedicated ERISA lawyer may be able to help. They could examine the potential reasons for your claim denial and work to identify an effective plan of action. Call and schedule an appointment as soon as possible to get started on your case.
ERISA is a federal law first enacted in 1974. Originally intended to regulate employer-provided retirement plans, amendments to the law have expanded its scope to include any employer-provided benefit plan. Since most workplaces provide these plans and some employers are even required to, many employees are subject to ERISA laws.
ERISA most directly affects policyholders by creating an obligation for plan administrators to enact an internal appeals process for any plan dispute. While this may seem like a benefit to policyholders, it could also slow down the entire process.
While people who purchase individual plans have the right to immediately ask a court to intervene in a dispute, ERISA regulations state that all internal insurance company procedures must be exhausted before a court can hear a case. A Savannah ERISA lawyer could help claimants better understand ERISA and how it affects their claims.
At its core, every insurance plan is a contract between a policyholder and their plan’s administrator. In exchange for the payment of regular premiums, the policyholder expects that the administrator will provide benefits if they ever need them. This can include paying for necessary medical care, providing retirement income, or paying out a death benefit.
Because these plans are contracts, either party may ask a court to enforce that contract. However, as discussed above, policyholders must first go through the appeal procedure created under the mandate of ERISA. Once this is complete, the policyholder can ask a United States District Court in Savannah to hear the case.
Pursuing benefits under a plan controlled by ERISA can be complex and frustrating. In addition to dealing with the usual problems involved with insurance disputes, you must also undergo an often-futile appeal process before you can even ask a court to get involved. Still, this process is non-negotiable for any plan an employer provides that falls under the jurisdiction of ERISA.
A Savannah ERISA lawyer could provide essential support with every step of this procedure by working to ensure you understand how ERISA affects your case. They could also help you exhaust all the required internal appeals and, if necessary, pursue your case in a United States District Court to demand enforcement of your insurance policy. Contact an attorney today to discuss your options.
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
Complete the confidential form below for a free, no obligation case evaluation and we’ll tell you how we can help.
You may also call us at the number below. J. Price McNamara and his legal support team are focused on building a strong case for you.
How did we do?
Note: Your review may be shared publicly.