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ERISA & DISABILITY CLAIMS
Most working Texans believe that if they become disabled and are unable to work, the disability insurance provided as part of their employee benefits package will protect them from severe financial hardship. In reality, many people with serious, legitimate incapacities face a difficult challenge when they file a disability claim and attempt to collect benefits under a group plan or individual policy.
If you legitimate disability claim has been denied, or your benefits have been discontinued, contact our experienced attorneys for help.
WHAT IS AN ERISA PLAN?
Most group disability plans are regulated only by a federal law, the Employee Retirement Income Security Act of 1974, known as ERISA. Unfortunately, many of the insurance companies offering ERISA plans take full advantage of the limitations of this law and the lack of state oversight.
ERISA BENEFITS CLAIM PREPARATION, APPEALS AND LITIGATION
Having a legitimate disability is often not enough when the company you are depending on to pay benefits is determined to find a reason to deny your claim. At WPHK, we are intensely dedicated to understanding ERISA processes, exposing and counteracting unfair practices and helping our claims obtain the disability benefits they deserve.
Our lawyers can help you navigate the complex processes required to file a successful ERISA claim. Our experience enables us to advise you on the best ways to compile an extensive administrative record substantiating your disability and your right to benefits. If you claim is denied or your benefits have been discontinued, we can represent you in an appeal of this decision, action to reopen a previously denied claim or litigation against the ERISA plan provider.
OTHER DISABILITY INSURANCE
At Wadler, Perches, Hundl & Kerlick, we also represent people whose disability or major medical claims are denied by a provider of private disability insurance. These cases can often be litigated by more traditional means in our state courts. If you need an attorney who will fight for your financial future by aggressively handling your ERISA or occupational disability insurance claim, contact us now.
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