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Legal Counsel For Employees Covered By An ERISA Disability Plan

Congress passed the Employee Retirement Income Security Act (ERISA) in 1974 to protect the rights of employees who participate in employee benefit plans and their beneficiaries. ERISA protects retirement savings from mismanagement by requiring those who are in charge of managing a company’s retirement funds to act in the best interests of plan participants. It also protects employees who earn health benefits, disability benefits, unemployment benefits and similar benefits through their employer.

If you are covered by group disability insurance through your employer or union, it is probably governed by ERISA law. Unfortunately, many employees who are covered under their employer-sponsored disability program and who become disabled encounter problems collecting the insurance payments they are rightfully owed. In their attempt to minimize the amount of claims they pay out, insurance companies deny legitimate claims.

At the Law Office of April Perry Randle, PLLC, in Chattanooga, Tennessee, our team has a thorough knowledge of ERISA law, and we are familiar with the tactics that insurance companies use to deny legitimate claims. We know how to protect the rights of employees who participate in an employer-sponsored, long-term disability plan that is covered by ERISA law.

Has Your Claim Been Denied?

If your application for long-term disability benefits has been denied, you have a right to appeal and request a full review of the claim. You may be required to submit two appeals before you are allowed to file a lawsuit. It is critical that these appeals are thorough and include every piece of information that supports your claim. For that reason, it is wise to enlist the help of our experienced ERISA law attorneys to help complete your appeals.

We Understand Complex Group Disability Policies

Your employer and your employer’s disability insurance provider will not likely go out of their way to help you understand what changes are needed to get a denied claim approved. The insurance contracts themselves are intentionally written in ambiguous language that allows for numerous reasons to deny or delay a claim.

The strategy may be as simple as frustrating a disabled employee until they decide to give up. With our experienced legal team in your corner, you can avoid that frustration and let us handle communication with the insurance carrier.

Contact Us Today. The Initial Consultation Is Free.

We welcome the opportunity to review the facts of your denied disability claim and provide a candid assessment of what you can expect. We work these cases on a contingency fee basis, which means we only get paid if we help you obtain a recovery. Call 423-464-6908 or use our online contact form to meet with a lawyer who understands ERISA law and how to appeal denied claims.