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 did an exceptional job in helping me both understand my situation and fight for my benefits/disability claim. He is extremely knowledgeable about the law and how it will effect your case. He was up front with us on how difficult our case may be and was always available to discuss our situation/answer questions. Adam also cares about you and takes an interest. He did an outstanding job to help me win my case against strong odds and was a blessing to have him as my lawyer. Thank you Adam for all you have done and continue doing on my behalf.
I would highly recommend Adam. He was courteous, professional, and very knowledgeable. He was attentive to my concerns and always responsive in a timely fashion.
I highly recommend him! He worked so hard and fought for what he thought I deserved. He is honest and will not lie to you, someone you can trust.
Adam has provided excellent service regarding my disability insurance claim. He is dedicated, knowledgeable, and compassionate. Adam keeps on top of the situation and responds immediately to any issues. He is always accessible. I would highly recommend him.
Adam is very knowledgeable about the process of seeking disability from the insurance company. After the insurer stopped paying my claim, I knew I needed to talk to somebody experienced in these types of cases. He was so detail-oriented, and I was so impressed with how he presented my case. I don’t know what I would have done without his help!
Adam is an exceptional attorney. He has helped me with my case and delivered a positive outcome that was more than I had expected in a timely manner. He is detail oriented and does not miss anything. He is extremely professional and prompt in updating my case. It was a pleasure working with him and I would highly recommend him to anyone I know.
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