Three tips for your ERISA disability claim

Many workers will have their disability insurance policies governed by ERISA. ERISA is extremely complicated and there are several things that must be done in order for the claims to be approved. Frequently, these claims are denied, leaving workers in a terrible position. This posting discusses some of the things that you should do to ensure that you are taking the appropriate steps with your ERISA disability coverage claim.

Understand your plan

The first thing that you should do when you have an ERISA claim is to review your policy. Your employer will provide you with a current copy of your group disability insurance plan. This information is vital, as it will tell you exactly what sort of rules and procedures will apply in your case. You have to know what your plan considers a disability, as well as how the plan handles pre-existing conditions. Without this knowledge, you could find yourself extremely frustrated as things move forward.

Communicate with your doctor

Every ERISA disability claim will require supporting evidence from your doctor or physician. This information must clearly state why you are suffering from a condition that makes you unable to work. Without this supporting documentation, the insurance company may reject your claim right away, as they may not believe that you are truly disabled.

Find an experienced ERISA attorney

As you can probably guess, this is not going to be easy. Even if you follow every single procedure properly, your disability claims may be denied. Appealing these denials will make things that much more complicated, and, make the stakes even higher.

If you try to handle this process on your own, you are going to make mistakes. It will happen. You will do something that makes things that much more complicated and challenging, and, you could possibly even threaten the potential success of your claim.

Working with an experienced ERISA attorney will help take a lot of pressure off of you. It will allow you to focus on your health, and help you manage the stress that you may be going through at this time. You do not have to be the one calling and arguing with insurers, as your attorney will be able to stand up for you at all times as your claim moves forward.

You might be afraid to consult an attorney because you think it may be too expensive. Most will offer a free consultation to help you learn more about your claims, and if you and the attorney are a match for each other. The right lawyer will keep you informed about your case and keep you involved in the process.

No Comments

Leave a comment
Comment Information
Email Our Attorneys

Our Insurance Lawyers Can Help

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

  • American Board of Trial Advocates
    American Board of Trial Advocates A prestigious national association of experienced trial lawyers and judges. Membership is by exclusive invitation only. All members shall have completed 10 civil jury trials to jury verdict or hung jury as lead counsel.
  • Best Lawyers
    Best Lawyers The oldest and most respected peer-review publication in the legal profession. A listing in Best Lawyers is widely regarded by both clients and legal professionals as a significant honor, conferred on a lawyer by his or her peers.
  • AV | PeerReviewRated | Martindale-Hubbell | For Ethical Standards and Legal Ability
    Martindale-Hubbell Peer Review Ratings An objective peer review rating indicator of a lawyer's high ethical standards and professional ability, generated from evaluations of lawyers by other members of the bar and the judiciary. Pillsbury & Coleman founding partner Philip L. Pillsbury Jr. is rated “AV Preeminent.”
  • Super Lawyers
    Super Lawyers A peer-review rating service of outstanding lawyers from more than 70 practice areas who have attained a high-degree of peer recognition and professional achievement.
  • Best Lawyers | Best Law Firms | U.S.News & World Report | 2019
    Best Lawyers Best Law Firms U.S. News 2019
  • American Association for Justice | Formerly the Association of Trial Lawyers of America (ATLA)
    American Association for Justice (AAJ) Founded in 1946, AAJ is the world’s largest trial bar and supports the work of attorneys to ensure that injured plaintiffs can obtain justice.
  • American College of Coverage Counsel
    American College of Coverage and Extracontractual Counsel Composed of preeminent insurance coverage counsel in the United States and Canada, representing the interests of both insurers and policyholders. The minimum membership requirement is the practice of insurance law for at least fifteen consecutive years.
  • Association of Business Trial Lawyers | abtl
    Association of Business Trial Lawyers Founded in 1972, ABTL is dedicated to connecting litigators and judges to address issues important to trial lawyers.
  • Consumer Attorneys of California
    Consumer Attorneys of California The only California-wide unified trial bar for plaintiffs lawyers who represent consumers harmed by powerful foes such as insurance companies, pharmaceutical companies, automobile manufacturers and banks.
  • SFTLA | San Francisco Trial Lawyers Association
    San Francisco Trial Lawyers Association For over 60 years, this prestigious bar association has educated and trained trial lawyers and supported and passed critical legislation to protect and advance individuals’ rights.
  • United Policyholders | Empowering the Insured
    United Policyholders A non-profit group dedicated to providing trustworthy and useful information and an effective voice for insurance consumers in all 50 states.
  • America's Top 100 High Stakes Litigators | 2018 | Top 100
    ACCEC | American College of Coverage and Extracontractual Counsel | Fellow