Losing a spouse is one of the most difficult experiences a person can face, and it often brings sudden financial uncertainty. Life insurance is intended to provide support during this time by helping replace lost income and cover expenses such as funeral costs and longer-term needs like a child’s education. Benefits may come from employer-provided...
Disability leave is intended to provide breathing room while you recover from a serious medical condition. In practice, however, it often brings uncertainty. Many people on disability leave worry about whether an employer can terminate their employment and, if so, how that decision may affect their disability benefits. In some cases, insurance companies and plan...
When a serious injury or illness prevents you from working, one of the first concerns is often health insurance. Employer-sponsored coverage can come to an abrupt end at the very moment medical care is most important. In many situations, however, individuals may be entitled to continued coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA)....
Insurance companies may deny your ERISA claim because you missed a deadline, made a mistake filling out paperwork, or because you’re deemed ineligible for coverage. Insurance companies may also note limitations or exclusions in your policy as a justification for denial, which are sometimes hidden in the fine print of your policy. In situations like...
The answer in some cases is, unfortunately, yes. Say that you are receiving long-term disability (LTD) benefits and then get a lump sum back payment from the government for Social Security Disability Insurance (SSDI). Your insurance company may try to collect that lump sum. The insurer will claim that they overpaid your benefits. If you’re...
Most people encounter the word “ERISA” for the first time when their employer-sponsored benefits have been denied. These kinds of claims can be complicated and frustrating, and if you aren’t careful, you may lose your ability to obtain the benefits you were wrongfully denied. This is why it’s so important to speak with an ERISA...
We talk quite a bit about the Employee Retirement Income Security Act (ERISA), which was passed back in 1974. If you have your workplace benefits denied, ERISA can make the appeal process a difficult and frustrating battle, which is why you need an ERISA claim lawyer. However, not all employee plans are subject to ERISA...
When you are covered by an employer-sponsored benefit plan, understanding the ERISA claims process is essential. The Employee Retirement Income Security Act (ERISA) sets strict rules for how disability, health, life, and retirement benefits are handled. From the first claim form to the final review, every step is controlled by ERISA laws and regulations, and...
Most people do not hear about ERISA until a problem arises with their benefits. When a disability, life insurance, or health claim is denied, ERISA suddenly becomes the set of rules that controls what happens next. The process is technical, full of deadlines, and often tilted in favor of insurers, which is why knowing how...
Discover five reasons why you might need to hire an ERISA attorney to fight for your employee rights in this month’s blog from Sinclair Law Firm....
Experienced ERISA lawyer Tom Sinclair of Sinclair Law Firm answers your most pressing employee benefits questions. ...
Learn what life insurance exclusions could prevent a payout in this blog from Sinclair Law Firm....