Adam H. Garner and The Garner Firm are Philadelphia’s employee benefits (ERISA) law firm.
We represent executives, employees, former employees, plan participants, and their beneficiaries in all aspects of ERISA employee benefits law. This includes claims for:
ERISA is an acronym that stands for the Employee Retirement Income Security Act of 1974. It is a federal law that governs nearly all employee benefit plans in the United States. The biggest exceptions are for so-called “church plans,” which are employee benefit plans sponsored by certain religious organizations, and “governmental plans,” which are plans sponsored by the federal, state, and local governments. ERISA is complicated, sometimes counter-intuitive, and can be a potential minefield to those individuals who do not interact with ERISA-regulated plans regularly.
All plan participants and their beneficiaries are entitled to a full and fair review of their claims for benefits. Unfortunately, that often does not occur. Many insurers and other entities who are responsible for deciding your claim for benefits are often the very same entities responsible for paying the claims. As a result, they have a conflict of interest and a financial incentive to deny your claim. When a benefit claim is denied, there are specific steps a plan participant must take to appeal the denial and protect his or her rights. Failing to do so can result in your appeal being denied, and your ability to challenge the determination in court seriously compromised, if not barred altogether. It is important that your claim be thoroughly, persuasively, and accurately documented to protect your rights and put you in the best position to have your claim approved.
We will work with you every step of the way through the benefits claim process by developing a strategy designed to help you prevail on your claim. No two claims are alike, and we treat each client as an individual who has specific needs, goals, and problems. We will help you complete claim forms, obtain the necessary records, and counsel you regarding your claim. If necessary, we will work with you through the claims appeal process and seek payment of your benefits in a court of law.
In addition to benefits claims, we handle claims alleging breaches of fiduciary duty by the people, organizations, and vendors that administer and service employee benefit plans on an individual and class basis. Benefit plan fiduciaries, including insurance companies, are supposed to act prudently and in the interest of plan participants and their beneficiaries. Unfortunately, sometimes employee benefits plan fiduciaries put their interests ahead of those of the plans and/or plan participants by, for example, charging the plans they serve excessive fees or engaging in self-dealing. When that happens, they breach their fiduciary duty and must be held accountable. The Garner Firm holds fiduciaries accountable for their bad acts.
The laws governing employee benefit plans are complicated. Adam H. Garner is an experienced ERISA employee benefits lawyer who has years of ERISA employee benefits litigation experience. If you have questions regarding your employee benefits, the claims process, or the denial of your claim for benefits, contact The Garner Firm today.
“ERISA is, we have observed, a ‘comprehensive and reticulated statute,’ the product of a decade of congressional study of the Nation’s private employee benefit system.”
— MERTENS V. HEWITT ASSOCS., 508 U.S. 248, 249 (1993) (SCALIA, J.)
Adam helped me with my LTD case. His knowledge and thoroughness was outstanding. He communicated every aspect of the process and case in an extremely detailed and timely manner. He also took the time to answer any questions I had as a person going through it for the first time. I could not recommend him more for anyone in a similar situation.
Adam and his team are great. They did an excellent job helping my family when we were really losing hope. Adam is very professional and has excellent knowledge to protect your rights. If you choose Adam you will talk directly with him. It was a truly pleasant experience. I’m extremely thankful that I chose the Garner firm. I highly recommend them.
Adam Garner provided excellent courteous and considerate service in helping me resolve a long term disability claim. He was accessible, knowledgeable and exercised the good judgement necessary for us to be successful. I heartily recommend his expertise and services
This review is long over-due!
If you’re looking for professional and sound legal advice, The Garner Firm is where you want to start!
Throughout my relationship with The Garner Firm, there was never a time that I felt uninformed where my case stood. Attorney Adam Garner focuses on making sure his clients are well informed throughout their legal battle. I can reassure any prospective clients that Adam will maximize all his resources and fight to the MAX in order you’re reasonably compensated.
I invite you to take the opportunity to contact The Garner Firm – YOU WILL NOT REGRET IT!
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!!!