ERISA KILLS AND STEALS
In order to define ERISA one should understand that, “once upon a time, The Employee Retirement Income Security Act (ERISA law) was designed to protect employees by regulating minimum standards for group insurance and pensions,” says Frank N. Darras, the nation’s top insurance lawyer. “That was back in 1974 when it was first established.”
“Now, unfortunately, the hero has turned into a villain,” states Darras. “More and more amendments were passed and now it has all but eliminated employees’ rights and made it harder to overturn a medical claim denial, disability claim denial or a life insurance claim denial.
If your employer has chosen a policy providing group medical, life or disability ERISA benefits be very skeptical. If you have to file a claim, seek the advice of a top ERISA attorney or a top insurance attorney.
Here is a short definition of ERISA: If you get your employee benefits at work like disability, life or medical group insurance you are probably covered under ERISA
Some important ERISA guidelines include:
ERISA definitions are complex, time sensitive and difficult even for an experienced ERISA attorney. If you get health, life or disability benefits from your employer you are probably swallowed up in ERISA.
Before you can file a lawsuit against your group insurer you must first timely file an administrative appeal after your claim is wrongfully denied. What people don’t realize is the administrative appeal is the only time an insured can put evidence to overturn the denial in the record.
Most group insured’s make the fatal mistake of just asking the group insurer to reconsider the wrongful denial assuming the carrier has gathered up all the records, medical information, occupational information and that their ERISA attorney will fix in the lawsuit what hasn’t been submitted.
Unfortunately, whatever isn’t placed into the administrative record on appeal cannot later be submitted by your top ERISA attorney.
Get help before you make fatal mistakes on your ERISA appeal from a top ERISA attorney.
ERISA guidelines don’t just pertain to medical and disability insurance, but also pertain to life insurance.
To ensure financial stability, Darras recommends:
-Buy individual policies if they are affordable.
-Be certain you understand your ERISA summary plan descriptions
-If you have to file a claim under your group policy, be sure you have
an excellent medical insurance attorney, ERISA attorney or a top insurance lawyer to guide you through the process.
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