Why You Should Hire an ERISA Attorney

When you’re struggling with a medical condition that keeps you from work and other important parts of life, one of the last things you want to hear is that your insurance company is cutting off your disability benefits. An ERISA lawyer can help you navigate the strict requirements and appeal a denial so that you get the benefits you need.

What Is ERISA?

Disability benefits fall under a complicated area of law called ERISA (Employee Retirement Income Security Act), which regulates employee benefits. Employers usually hire large insurance companies to provide employee benefits, but these companies will take advantage of marginalizing and complex laws — deploying teams of doctors and lawyers to discredit disability claims and avoid paying out.

ERISA is designed to protect those who enroll in retirement and healthcare plans and establishes expectations for the process of disability insurance claims. Over time, however, deadlines and evidence guidelines have shifted to benefit insurance companies rather than individuals. From the time your claim is denied, you have just 180 days to appeal. That’s not much time when you consider how much work goes into preparing a thorough appeal.

How an ERISA Lawyer Can Help

Philadelphia ERISA disability attorneys often find that clients are ill-informed about ERISA guidelines and timelines. People struggling with short- and long-term disabilities rarely have the time or energy to understand the complex laws and the claims process, not to mention the resources to go up against large insurance companies. Applying on your own is not recommended. Short- and long-term disability claim lawyers in Philadelphia, PA, can help you start the process immediately with well-developed strategies.

An ERISA attorney is well-informed about deadlines, rules, and the procedures around applying for benefits, filing claims, and appealing denials. While other lawyers may not be familiar with the inflexible process of claims and appeals, ERISA attorneys focus on this area of law and are equipped to design the best strategy for you.

You can expect them to collect evidence of your disability, carefully analyze the insurance company’s denial, represent you in communications and conferences, and write a persuasive appeal to achieve the best possible outcome. With only 180 days to appeal a claim denial, it’s important to contact a Philadelphia ERISA disability attorney immediately.

Schedule a consultation with a long-term disability lawyer at Rosen Moss Snyder LLP today!