What Is ERISA, And How Does It Protect My Benefits?
In 1974, ERISA was established to protect pensions of private sector employees. Decades later, the Employee Retirement Income Security Act (ERISA) has been modified to cover not only employer-sponsored retirement accounts but also workplace benefits, including:
- Medical insurance plans, such as HMO plans, flexible spending accounts (FSAs) and health reimbursement accounts (HRAs)
- Dental, prescription and vision plans
- Disability insurance plans
- Severance agreements
- Insurance plans for disability and long-term care
In addition to safeguarding a wide array of benefits, ERISA guidelines sometimes apply to these compensation arrangements, even those working for nonprofit organizations and small businesses. Although your company may employ only one or two individuals, it is likely that ERISA regulations protect your benefits.
At Clark Law Group, PLLC, we understand that, while ERISA offers extensive protections, navigating the process to ensure you receive the benefits you deserve is complicated. An appeal must also be filed within a certain time period.
If you are unfamiliar with the procedures you need to follow to file a claim or fail to file in time, your benefits claim can be rejected, creating financial hardship. Should you seek to appeal a benefits claim rejection without legal assistance, your options will be limited if you lose your appeal and pursue ERISA litigation.
Using Decades Of Experience To Aid In Appealing Your Claim Rejection
Our attorneys will efficiently evaluate the terms of your benefits plan, assess your best options and develop an effective strategy for appealing a claim rejection. Whether you need an attorney to defend retirement claims, disability claims or other benefits protected under ERISA, our team has the skill set to achieve a favorable result.
Our record of success in obtaining benefits for our clients is a testament to our substantial knowledge of this practice area and our dedication to our clients’ welfare.