Disability Benefit Claims

In 1974, U.S. Congress passed a group of laws originally designed to protect pensions and other employee benefits. Congress intended to protect workers and their families by passing the Employee Retirement Income Security Act – known as “ERISA.” The ERISA act is contained in Title 29 of the United States Code, and like many other federal statutes, provides a rather general guideline for how the law is to be implemented.

ERISA Disability Claims are unique. They follow a different structure than most insurance claims and for that reason it is important that you understand how they work or risk losing benefits. ERISA benefit claims in Nashville involve a review process by the insurance company. The administrator is the company or person that actually makes the decision to deny or pay benefits.

A non-ERISA LTD Policy is a policy the consumer purchased directly from a long-term disability insurance carrier. A non-ERISA claim is not subject to the same strict ERISA fiduciary standards regarding exclusive benefits, but is subject to state law and other standards.

The first thing to do is request a copy of your long-term disability policy (whether governed under ERISA, or state law). When requesting a copy of your long-term disability policy, you want to request this in writing and send the letter to the insurance company by sending it certified, return receipt mail.

While the experienced ERISA attorneys at Cody Allison & Associates, PLLC handle cases based on virtually all health conditions, some of the conditions we routinely handle include: Multiple Sclerosis, Crohn’s Disease, Arthritis, Lupus, Chronic Pain Syndrome, Stroke, Cancer, and Autoimmune Diseases.