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If your Employee Retirement Income Security Act (ERISA) claim was denied, it’s important to know your legal rights and the steps you can take to dispute the denial. Our firm has extensive experience handing insurance claim denials, and we can navigate the process to obtain the benefits you deserve.

ERISA Claim Denial: Next Steps

ERISA is a federal law that regulates private employers’ retirement plans, disability insurance, and other benefits. Once an employee properly files a claim, ERISA sets a time limit for the insurance company to accept or deny the claim. If the company denies the claim, it must explain the reasoning in writing. ERISA then sets a time limit for employees to file an appeal and for the insurance company to respond.

If your claim was denied, the following are the steps you’ll need to take to dispute the denial:

  1. Appeal the denial of benefits
  2. If the administrative appeal is denied, file a lawsuit in federal court
  3. Sue the insurance company for “breach of fiduciary duty,” meaning failure to uphold its obligation to act in the best interest its beneficiaries

Your appeal is a critical step in overturning the initial decision and winning the benefits you deserve. Taking the wrong step during the appeal process can forever bar you from the compensation you might otherwise have been able to obtain.

Getting Help After a Claim Denial

The sad truth is that while you are dealing with an incredibly difficult time in your life, insurance companies are most likely finding ways to deny your claim. You made a responsible choice to have insurance coverage, and the denial of your claim can be financially devastating.

Contact our firm to speak with an experienced life insurance lawyer today. We can investigate the facts of your situation, determine whether you should have received benefits, and properly appeal the initial decision under ERISA laws. Schedule a meeting at one of our offices to get the help you need.