At Marc Whitehead & Associates, we frequently receive inquiries about Trustmark disability insurance claim denials. Our attorneys represent policyholders in disputes regarding Trustmark claim delays, denials and terminations.
The people we help come from a diverse range of industries and professions. Our clients suffer from all manner of disabling conditions. Whether you were denied disability benefits by Trustmark, or you’re just now filing – the right legal guidance can make the difference in your case.
If you have received notice of denial from Trustmark, need assistance in a long term disability claim dispute, or would like professional assistance with your initial disability application with Trustmark, we can help.
About Trustmark Disability Insurance
Trustmark is an employee benefits provider of short and long term disability insurance, and various health insurance products. Trustmark also acts as a third party administrator for self-funded disability insurance plans.
You may recognize different business names associated with the Trustmark Companies and subsidiaries: Trustmark Voluntary Benefit Solutions, CoreSource, HealthFitness and Starmark.
Trustmark disability insurance is offered through employer plans or through professional and trade associations. As one part of their disability insurance business, Trustmark provides voluntary disability insurance plans that pay a portion of your income if you become disabled and cannot work. Voluntary benefits are those that you choose enroll in through your employer, and that you pay for. This shifts more of the cost of disability insurance onto workers.
How Is Your Trustmark Disability Claim Governed?
Certain benefits that are voluntary coverage may be paid for by employees (self-funded) at some or no cost to the employer. Other third party disability plans may be the more traditional employer-sponsored benefit plans.
In both cases, most group disability insurance policies are governed by very strict and inhibiting ERISA law.
Federal ERISA rules preempt state law. The administrative appeal in ERISA cases is crucial to your success. The appeal is your last opportunity to submit any new evidence into the administrative record to further prove and support the fact that, due to disability, you cannot work.
Yet deviations to ERISA may occur. Voluntary disability insurance plans, whether group or individual, may be exempt from ERISA in certain cases.
Employees who pay all of the cost (limiting the employer’s role to withholding premiums through payroll deduction) may in certain instances be exempt from ERISA. Such cases of payroll deductions that fall under non-ERISA plans are addressed under “safe harbor” regulation issued by the Department of Labor.
It is critical to have expert knowledge and experience in the laws controlling your case.
Our disability attorneys will examine the facts of your case: the letter of denial, your policy and your claim files. We will decipher the laws and regulations you must meet, and unravel the reasons Trustmark denied or terminated benefits. Only then can you appeal your claim with surety, and prevail should the claim reach litigation.
Know your rights and options, and how to best proceed to secure the disability benefits you deserve. Speak with our ERISA attorneys for diligent legal help with your Trustmark disability insurance claim.