ERISA Claims Attorneys
ERISA disability and life insurance claims can be intimidating and complicated. There are many traps and pitfalls, and the law is changing constantly. To confuse matters, ERISA is evolving differently in the various Federal Circuits. At our Firm we handle ERISA cases on a daily basis. We have handled disability claims involving a variety of diagnoses including fibromyalgia, chronic fatigue syndrome, immune deficiency, headaches, various forms of cancer, back injuries, chemical sensitivity, drug and alcohol addition and mental and nervous conditions, just to name a few.
We have handled cases against some of the country’s largest corporations and insurers, including Delta Air Lines, Federal Express, Metropolitan Life, CIGNA, UNUM Provident, State Farm, CNA, Allstate and many others.
Most ERISA claims usually allow only a single appeal. If the appeal is denied, you will be forced to go to federal court with the claim based solely on the administrative record. In most cases, you will not be allowed to submit any new evidence after the final appeal denial. Should you wish to file a lawsuit, there usually will be no jury or testifying witnesses. The entire proceeding may be based on the insurer’s claims record alone. This places claimant’s at a terrible disadvantage if they attempt to “go it alone.”
You cannot afford the risk of making an appeal to an insurer who has already demonstrated its intention to deny a claim without knowing the applicable law and gathering the necessary evidence to pursue the claim at the administrative level, or, if necessary, in federal court. An appeal of a claim without gathering the necessary evidence will usually result in a denial which cannot be appealed successfully. Remember, when an insurer reviews an appeal, it is akin to “a fox guarding a hen house.” If the insurer could not be trusted to approve the claim upon the initial application, why should it act differently when you appeal the claim to the very same people who denied it.
Our initial consultation is always free of charge.
If you have questions regarding your ERISA claim, please call us toll free for a free consultation at 1-800-NATION-LAW, or submit the free case evaluation form.