Many employees in Lower Merion Township have life insurance through an employer-sponsored benefit plan. These policies are governed by the Employment Retirement Income Security Act (ERISA) of 1974, a federal law that sets minimum standards for a variety of employee programs, including life insurance and long-term disability benefits. ERISA requires life insurance plan administrators to follow certain procedures when reviewing or denying claims.
If you have lost a family member covered by an ERISA life insurance plan, you may be unsure as to how the claims process works. This can lead to problems, especially if the insurer denies the claim and the beneficiary does not fully understand their right to appeal. This is where a hiring a qualified Lower Merion Township life insurance attorney can make the difference between receiving benefits and walking away with nothing. Attorney Adam H. Garner has litigated numerous claims involving both ERISA and non-ERISA life insurance policies issued in Pennsylvania, and he can help you fight for the benefits you legally deserve.
A life insurance policy sounds simple enough on its face: When the insured person dies, the insurer pays benefits to a designated beneficiary. But in practice, life insurance policies are complex legal documents that involve numerous caveats, conditions, and exceptions.
One problem that often arises with life insurance is competing claims from different family members or potential beneficiaries. For example, say an employee initially designated their spouse as beneficiary but the couple later divorced. Since employer-sponsored life insurance plans are governed by the ERISA, rather than state divorce law, that beneficiary is still legally entitled to benefits unless the employee changed their designation prior to death. This can lead to litigation between competing claimants, which in turn prompts the insurance company to declare it will not pay out any benefits until the matter is resolved.
In fact, life insurance companies often employ delaying tactics, even when there is no dispute as to the beneficiary. The insurer may demand excessive and unnecessary “proof” of the beneficiary’s identity. Or perhaps the insurer will claim it needs to conduct a more detailed investigation into the circumstances surrounding the insured employee’s death.
Hiring a qualified Lower Merion Township life insurance attorney sends a clear message to the insurer that you will not accept these kinds of delay tactics. At The Garner Firm, we know how to deal with insurance companies. We will explain your rights under the ERISA and how to enforce them should it become necessary. Even if your loved one had a private life insurance policy not governed by the ERISA, we can still advise and assist you in dealing with an insurer.
Keep in mind, at least with respect to ERISA-controlled policies, there is a strict regulatory process that must be observed. If your claim is denied, you must exhaust certain administrative remedies first before attempting to file a lawsuit. The Garner Firm can provide you with more specific advice as to how this process works. Call us today or contact us online to schedule a free consultation.
Adam is extremely knowledgeable and always helped answer all of our questions we had. Very supportive in a challenging case. He understood our situation and was beyond great! He helped my family so much!
I would highly recommend Adam and the Garner Firm!
I would highly recommend Adam to anyone!!! He is very professional, works hard for you, and very knowledgeable. He is honest and upfront with you with any obstacles that he may face in representing you. He keeps you well informed of your case and responds promptly to any questions or concerns you may have. He does a Stellar job!!!
From the initial phone call for assistance to the end of the case Adam and The Garner Firm was an absolute blessing to me and my family. He presented genuine concern and professionalism throughout the process. Where as other attorneys see’s a client as a client Adam fights for a client like were and individual who’s rights have been violated. I’m very grateful for his help through a very rough time and trust that this review is sincere. Blessing to the Adam and The Garner Firm.
Adam Garner is the definition of professionalism and expertise. He is currently handling my case, which turned out to be more difficult than expected, and is getting positive results. I would highly recommend Mr. Garner to anyone with a disability and/or workplace issue.
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