Employee Retirement Income Security Act of 1974 is also known as ERISA and is a federal law that applies to most, but not all, private employers. The law establishes a minimum standard for retirement plans, health, and other benefits such as life and disability insurance. It does not require an employer to offer these benefits but protects employees and their employers if they do.
ERISA is controlled by a division of the Department of Labor called the Employee Benefits Security Administration. Any complaints, questions, or concerns about ERISA can likely be started by contacting the local DOL office, but an experienced Shreveport ERISA claims attorney can also help you with these issues and other legal matters surrounding ERISA law. Additional matters that you might need to discuss with an attorney include, but are not limited to, the following:
These protective laws only apply to employers that are private and non-government who offer health insurance coverage and other benefit plans through their employer to the employees. ERISA does not require employers to offer such plans or benefits for health, retirement, or other benefits. These laws only set minimum standards, or rules, for some types of benefits that an employer may choose to offer their employees.
ERISA does have some limitations and exemptions and is a complicated area of law. If you need to pursue a claim against an ERISA employer, the laws will offer you some protection if you have been wronged due to financial mismanagement of benefits or plans. However, it is almost always advisable to seek the assistance of an experienced ERISA attorney rather than attempting to handle such complex areas of law on your own.
If you have filed an ERISA claim and have been denied, our law office can focus on your dispute and use our extensive experience in handling disputes that involve disability, life insurance, health insurance, pension plans, annuities, and much more. We know how complex these laws can be and have experience litigating such claims in federal court where ERISA claims are handled.
Unfortunately, ERISA litigation seems to be increasing, but we can advise you of your legal options and create a strategic plan to increase the likelihood that you will get the outcome that you need and deserve. Contact the Law Offices of J. Price McNamara today and schedule a consultation at one of our conveniently located offices.
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