Carrollton ERISA Disability Lawyer
For American workers, disability insurance�otherwise known as income replacement�is one of the most important benefits available in�ERISA�compensation packages. It gives employees the peace of mind that if unforeseen events�prevent them�from�working, they�can still maintain financial security.�Unfortunately, many ERISA disability claims in Carrollton are denied.
Speaking with a Carrollton ERISA disability lawyer�may be beneficial when making a�long-term�disability claim to ensure that your rights are protected and that you are receiving what you are entitled to�under ERISA.
Let a determined personal injury lawyer help level the playing field and fight on your behalf for what you are�rightfully�owed.
What is ERISA?
The Employee Retirement Income Security Act (ERISA) is a federal law�passed in 1974 that governs�employee benefits�provided by�private companies, including disability benefits.
ERISA�ensures that employees receive the benefits�they are entitled to�by regulating employers and insurance companies,�keeping them transparent and honest in their practices, and�setting minimum standards for health and pension plans.
Georgia�ERISA Disability�Coverage
ERISA disability policies typically only cover 24 months of�being unable to perform work duties that an individual previously performed before the accident or illness. After this 24-month period, disability coverage may stop completely, unless the individual is unable to perform any kind of job.
This means that long-term disability benefits could be terminated under ERISA if an individual is physically and medically able�to work at another type of job.
It is�important to note that�if�an individual is approved for long-term disability benefits, they will only receive a percentage�(usually 60 percent)�of their former salary.�If an ERISA disability claim is denied,�individuals�can file an internal appeal with the insurance company.
Failing that, the appeal can advance to federal court where a judge will make a final determination�usually�based on the administrative record, rather than new evidence.
A Carrollton ERISA disability attorney is essential for these types of proceedings since�they have the knowledge and experience needed to guide individuals through the�often�complex�and ambiguous�legal process.
If an individual has a mental health condition�like depression or anxiety�that prevents them from working, payment under ERISA may be limited to no more than 24 months depending on the wording of�the policy�or�any�mental health clauses.
Consulting with a lawyer is beneficial in these types of cases because appeals can be complex and lengthy. A Carrollton ERISA disability lawyer�can help individuals prepare for an appeal and get the monthly benefits they are entitled to.
If your ERISA disability claim was denied, you need a lawyer on your side who has the knowledge and skill to win an appeal.
Your attorney can analyze medical reports, help with application forms, speak with healthcare providers, and�guide you through the ERISA appeals process�to ensure that you are financially covered when you are unable to work.�When an insurance company refuses to pay, you deserve the best shot at getting the benefits you are rightfully entitled to.
Speak with a Carrolton ERISA disability lawyer today to learn more about your rights under ERISA and to get the advice you need to move forward with your claim.
