Have you had a claim denied by an employer-sponsored insurance plan? Appealing the denial and fighting for the benefits you deserve can be a challenging task. This is because such claims are governed by the Employee Retirement Income Security Act (ERISA), a federal law that can favor insurance companies and employers over the rights of employees and claimants. ERISA also governs employer-provided retirement plans. If you have any issues regarding ERISA-governed insurance claims or retirement plans, it is always best to contact a West Chester ERISA attorney for help as soon as possible. The Garner Firm, Ltd. is a premier ERISA law firm in West Chester and throughout the Philadelphia area. Do not hesitate to contact us directly for more information about how we might help.
Handling Complex ERISA Benefit Claims
There are several different types of benefit claims and retirement plans that fall under ERISA, and we handle cases involving the following and more:
- Long-term disability (LTD) benefits
- Short-term disability (STD) benefits
- Accidental death and dismemberment (AD&D) benefits
- Life insurance benefits
- 401(k) benefits
- Pension benefits
When it comes to ERISA-related issues, we represent employees, former employees, executives, retirement plan participants, and plan beneficiaries in cases asserting a wide range of claims. This can include wrongful denial of insurance benefits, mismanagement of pension plans, refusal to pay retirement benefits, breach of fiduciary duty, and more.
The ERISA Litigation Process
When you receive a denial of benefits, your first move is not to rush into court. Instead, let our legal team follow the legal process with which we have extensive experience. This begins with appealing directly with the insurer, employer, or plan administrator. You are entitled to a full and fair review of any ERISA benefit claims, and we can request this happens, which might change the result. If you need to request a formal appeal of your claim denial, there are specific steps you must take as required by law. There is no doubt that ERISA is a confusing and complex statute, so you want to have the right attorney navigating this process to ensure you do not inadvertently lose your right to appeal your claim. If the insurance company or plan administrator still refuses to grant the benefits you deserve under the law, we can escalate the matter by filing a lawsuit in federal court. ERISA litigation can be complicated, and you want a highly skilled litigator representing your rights in court. We handle every step of the litigation process, seeking to obtain a favorable settlement agreement from the insurance company every step of the way. If no settlement is possible, we will aggressively fight for the benefits you deserve in court.
Contact a West Chester ERISA Attorney Who Can Evaluate Your Rights
When you believe that you have been deprived of benefits you deserve under your employer-sponsored insurance or retirement plan, you want a West Chester ERISA attorney from The Garner Firm, Ltd. on your side. Contact us as soon as possible so we can evaluate your case.