You Counted on Their Promise to Pay. Make Them Keep It.
We Have Been Making Them Keep Their Promises for 30 Years
Does the Company Deciding Your Claim Owe You a Legal Duty? Yes. Under federal law, whoever decides your employer-sponsored disability claim is a fiduciary and must act solely in the interest of plan participants. In most group claims that the same party also pays the benefit out of its own money, and courts treat that …
The Employee Retirement Income Security Act of 1974 (ERISA) governs various employer-sponsored benefit plans in the U.S. to protect employees’ rights to their benefits. ERISA covers several types of employer benefit plans, which can be broadly categorized into two main types: employee welfare benefit plans and employee pension benefit plans. 1. Employee Welfare Benefit Plans …
Professional disability insurance claims are costly for insurance companies to honor. There is a great deal of incentive for insurance companies to deny high-profile claims. Also known as individual disability income (IDI) insurance, professional disability policies are generally written for individuals in certain occupations that generate income over $100,000 a year. CFOs, CEOs, physicians, dentists, lawyers, …
Many professionals purchase individual disability insurance (IDI) policies to provide significant income protection in the event disability strikes. IDI provides the most benefits in most claims situations, giving you peace of mind and financial shelter when serious illness or injury leaves you unable to work. You’ve gotten where you are now by conducting yourself equitably and professionally …
There’s a lot at stake. You are disabled and you can’t work. All you did was request the disability benefits you’re due under your employee benefits plan. But the insurance company has wrongfully denied your claim. What do you do? The attorneys at Marc Whitehead & Associates want you to succeed in appealing your group …
Typically known as Unfair or Deceptive Trade Practices Act (DTPA), states may enact their own version of consumer protection law that covers individual disability insurance policies. DTPA protects consumers and the public against false, misleading, and deceptive business practices, unconscionable actions, and breaches of warranty, and gives the consumer an efficient way to secure such …
Each year, countless families are needlessly denied life insurance benefits under policies provided by a deceased loved-one’s employer. When life insurance is part of an employee group benefit plan, a denied claim can be further complicated by a federal law known as ERISA — the Employee Retirement Income Security Act. Unfortunately, ERISA laws gives insurance …
This article explains the ways we help our clients win benefits in their ERISA-based disability claims.
In the video above, we explain how ERISA law makes gaining disability insurance benefits extremely difficult for claimants who are covered by employer-sponsored group insurance plans. But there are ways to get the benefits you deserve, even when your claim is denied.
How Disability Income and ERISA Laws Affect You A disabling injury or medical condition changes your life drastically. There is so much at stake when your claim for disability is denied. The reality is, many insurance companies resort to foul play to avoid paying benefits, and yet they are protected by ERISA laws. ERISA Laws …
Many insurance companies have become masters at denying legitimate claims for disability benefits. These powerful corporations are supposed to deal honestly and fairly with their policyholders and it is our job as disability insurance lawyers to ensure that they do. How can insurance companies get away with unfair denial of benefits? Part of the answer is due to regulations …
