Compassionate Guidance Regarding Your ERISA Concerns
You work hard for your employee benefits. If you become ill or get hurt badly enough to become disabled, you need to be able to count on your disability insurance coverage. The same is true of health insurance coverage. And regardless of whether you get hurt or sick, you know you’ll need your pension plan when you retire.
But what do you do if your claim for long-term disability or medical benefits is denied by a bottom line-minded employer or your employer’s insurance company? When this happens, you need skilled legal representation to protect your rights and get results under a complicated but important federal law called ERISA. At Law Office of Robert F. Keehn, attorney Robert F. Keehn will provide such representation to you. As a Los Angeles layer, Robert F. Keehn has the experience and skills to effectively protect your ERISA benefit rights. With over a quarter-century of experience in employment law and insurance matters, he is able to successfully handle your ERISA case in Los Angeles and throughout California.
How ERISA Can Impact You
ERISA (the Employee Retirement Income Security Act) is a federal law that governs almost all private employer-provided benefit and pension plans. It is important to understand that ERISA takes precedence over state laws that regulate insurance plans. The good news, however, is that ERISA establishes basic standards that most employers and their insurers must meet when they offer employee benefit plans, including plans featuring life, disability or health insurance.
Because ERISA is such a complex law, it is important to work with an experienced ERISA attorney when asserting your ERISA rights. Our firm has the knowledge and the resources to guide you through the process and make the strongest case possible for the benefits to which you are entitled from your employer.
Helping You Take Effective Action
Don’t be discouraged by the initial denial of your benefits claim by your employer or your employer’s insurer. By taking action under ERISA to challenge the denial, it is possible to turn that initial loss into a victory.
To do this, however, it is necessary to take the right steps. If an insurance company denied your claim for benefits under a disability or health insurance policy, it is crucial to pursue an appeal using ERISA. This is especially important because the U.S. Supreme Court has held that ERISA pre-empts most state laws regarding lawsuits against insurance companies concerning employee benefits.
But filing an effective appeal does not merely mean submitting a piece of paper. It involves obtaining your file from the insurance company for a detailed analysis. It means making sure you have noted detailed objections to the company’s actions and decision-making process. It means adding evidence such as medical records to the file if necessary to provide a complete picture of your disability. These steps not only increase your chance of prevailing on appeal, but also strengthen your case if you need to file a lawsuit in federal court after losing on appeal.
We can help you obtain your file, get your appeal filed, help you obtain updated medical records and other evidence needed for your appeal, and take other necessary actions for asserting your employee benefits claim against your employer’s insurance company. This means you don’t have to fend for yourself after suffering the double setback of a serious injury or illness followed by a benefits claim denial.
We understand the ERISA process from beginning to end. Therefore, we can help you regardless of what stage your claim may be.
Tell Us About Your Case
You may not have heard much about ERISA until you were denied an insurance benefit. Thanks to the safeguards provided by ERISA, however, all is not lost. We urge you to contact us to discuss how a claim denial can be challenged and turned around.