Insurance companies are notorious for being extremely stringent on initial long-term disability claims. They lose nothing by denying claims and making you fight for benefits. There is no obligation for these companies to show any good faith when considering your claim. Therefore, you may be in a position where you have to appeal a denial of your claim.
Even among attorneys, ERISA is often misunderstood. There are few who can claim to really understand this complex and very-detailed law. As an employee, what you need to know is that this statute gives you the right to sue an employer. Simply stated, ERISA exists to protect all of your employee benefits. However, the process that you need
ERISA assigns the “highest duty known to law” when a company manages an employee benefits program. This means that companies assume fiduciary duties to their employees when operating employee benefit plans. From a legal standpoint, this means that they have certain obligations that they must meet. Otherwise, the employee may sue them for a breach of their fiduciary