Fighting a life insurance claim denial of any sort can be one of the most frustrating things out there. This is especially true when dealing with ERISA claim denials, or Employee Retirement Income Security Act Life insurance policies. Dealing with a company that seems to only want to get your money, with seemingly no regard for the events that just transpired, can be extremely disheartening, and you may just want to give up right away. But, no matter how much in denial they are of giving you your benefits from a policy, you should never just give it up. There are always guidelines in place to help you get through situations like this.
To start, ERISA helps to cover those that are being hired under a certain company banner, and wishes to have a life insurance policy. ERISA does not just cover with a single style, however. Depending on the company and business that is asking to be covered, the contracts given to the employees can have different stipulations and guidelines in regards of how they are handled and put into place. This also means that they have different stipulations on when and how the beneficiaries can attempt to appeal against a denial of the claim.
The first thing to do when dealing with ERISA is to get a complete and original transcript of the policy itself. Try to get it, as well as any other original paperwork, as close as you can from the source. This is because you will need to know and have close to an advanced understanding of what stipulations and requirements are meant to be followed when attempting to appeal. ERISA is a bit more strenuous, as many will require you to jump through their entire review process laid out in their contract first, before you attempt to appeal to a legal court for your benefits.
After you receive the documentation, it is wise to find and hire an experienced and knowledgeable ERISA life insurance attorney. This is due to quite a few reasons. For one, they will be able to give you insight on whether or not you have a potential case. They can take into account all of the clauses and information provided by the documents you gathered before, and assess whether it would be beneficial to proceed. If you do proceed, they can then help you go through all of the review processes, as well as any legal battles that the insurance company may try to bring to your doorstep.
If you are worried about finding an experienced and well-versed ERISA insurance attorney, feel free to contact our offices, either online or by giving us a call. Here, we have many different lawyers and attorneys available to answer your questions, as well as offer you guidance on what can be done in your specific case. We know that this is more than just the money, it is about your life, and what comes after a staggering event. For the insurance company, it is just another case, another number. We won’t let them get their way.