Helping You Understand Your Employee Benefits
While employee benefit plans and group insurance arrangements are promoted as optional employee perks, most workers depend on these arrangements and insurance to secure their health care, retirement, disability, income and daily living expenses. When your ability to meet future obligations relies on insurance coverage or a performance bonus, it is necessary to understand the guidelines that affect a payout.
Employee benefits include health, retirement, life insurance, accidental death and dismemberment, and disability benefits. If they are employer-sponsored benefits offered in a private-sector workplace, then employees and their spouses and family members will have the protections of a federal statute commonly referred to as ERISA, or the Employee Retirement Income Security Act. This statute provides rights to disclosure of plan terms in plan documents and summary plan descriptions and provides the framework for filing benefit claims and appeals if such claims are denied.
Clark Law Group, PLLC, is ready to help you if your written requests for plan documents are denied, when your claim is denied and you need to file an appeal, or when your appeal is denied and you wish to challenge that decision in court. If you work in the public sector or federal sector (government employee), you do not have the protections of ERISA, but you may have protections under other state and federal laws. We will evaluate your benefit claims to assist you in identifying how best to enforce your benefit claims and rights.