Carrollton ERISA Claims
Employee benefits covered by ERISA (Employee Retirement Income Security Act), such as disability, life, and health insurance, are meant to protect you if something happens. However, many of these claims are denied by insurance companies despite ERISA’s protections.
If your employee benefits were denied by the insurance company, speak with a qualified claims lawyer today to find out more about Carrollton ERISA claims’ protections and how you can protect your rights.
ERISA Claims
Almost all American workers are covered by the Employment Retirement Income Security Act (ERISA). This law was passed in 1974 to ensure that employer-provided pension, health plans, and disability benefits meet specific standards in accordance with federal law.
Unfortunately, ERISA is a complex area of law, since it is not very clear and is open to interpretation by insurance companies and employers. An ERISA claims lawyer can help individuals who have been denied benefits covered by ERISA.
ERISA Claims Denials
It is common for Carrollton ERISA claims to be delayed or denied in Georgia for a number or reasons, including:
- Incorrectly filing documentation
- Not filing paperwork within the proper deadline
- Having an injury or illness that does not qualify
- Receiving medical services that are not covered by the individual’s insurance plan
- Skipping steps in the claims process
If an ERISA claim is denied, individuals have 180 days to file an appeal of the claim denial, which may involve filing additional paperwork and providing further personal information and evidence to prove eligibility. If this appeal is also denied, individuals can file a lawsuit under ERISA with the help of an attorney, which consists of an administrative hearing where a judge makes a final decision.
Carrollton ERISA Appeals Process
When filing an ERISA appeal, it may be beneficial to consult with a knowledgeable attorney who is experienced in dealing with Carrollton ERISA claims and laws. The process is often complicated and starts with the employee filing the appeal in writing. This must be done within a strict deadline, or the claim will be denied altogether without the chance for an appeal.
Once the appeal has been filed, it is important to submit additional evidence, since additional evidence may not be accepted if the appeal is denied and the case becomes a lawsuit.
The insurance company must make a decision whether to accept or deny the appeal within 45 days, and may request an additional 30 days to arrive at a decision under certain circumstances.
How an ERISA Claims Attorney Can Help
A lawyer can help gather additional evidence and bolster an individual’s claim to increase the chances of receiving benefits. A lawyer in Carrollton can also help by:
- Examining the insurance policy
- Obtaining opinion letters from doctors
- Gathering documentation from employers, co-workers, friends, and family about the individual’s disability
- Providing medical literature that better explains the nature of the individual’s disability
Contact a Carrollton ERISA Claims Lawyer Today
If you want to file a claim for employee benefits regulated by ERISA, or just have general questions regarding ERISA and your employee insurance coverage, please get in touch with a qualified Carrollton claims attorney as soon as possible.
It is important to get the process started as soon as you can since deadlines are strict and may lead to claim denials or delays.
