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The company that manages your disability plan holds a special legal position. As a fiduciary, it is required by law to act for your benefit, not its own. Yet the same company that decides your claim often profits when it pays you less. When it puts its own finances ahead of your rights, it may have breached that duty. ERISA breach of fiduciary duty claims in Nashville exist to hold these companies accountable.
Proving that a plan administrator or insurer broke its duty is not easy, but it can be done with the right evidence and experience. A skilled ERISA disability lawyer could examine how your claim was handled and identify where the fiduciary failed to meet its obligations. While we are based in Nashville, we handle disability cases nationwide.
Under ERISA, a fiduciary is any person or company with discretionary authority over a benefit plan or its administration, as defined in 29 U.S.C. § 1002. When an insurance company or plan administrator has the power to decide whether you receive benefits, it is acting as a fiduciary.
That role comes with strict duties. Under 29 U.S.C. § 1104, a fiduciary must act solely for the benefit of the plan’s participants, use reasonable care and skill, and follow the terms of the plan. In the context of disability, this means the company reviewing your claim must handle it fairly and honestly. A Nashville ERISA attorney can determine whether the fiduciary handling your claim met or breached its duties.
A breach happens when a fiduciary fails to meet these standards. In disability claims, some breaches appear again and again.
Common examples include:
Any of these actions can point to a breach of duty. An ERISA fiduciary claim attorney in Nashville could review your file and identify conduct that amounts to a breach.
When a fiduciary breaks its duty, federal law provides a remedy. Under 29 U.S.C. § 1132, you can bring a claim to enforce the terms of your plan and to seek appropriate relief for the breach. This may include recovering benefits that were wrongly denied.
The process usually begins with a detailed administrative appeal and, if the denial stands, a lawsuit in federal court. We handle these claims against major insurers including Unum, The Hartford, Lincoln Financial, and Prudential. An ERISA fiduciary breach lawyer in Nashville could build the record your case needs and pursue every remedy available to protect your rights.
A disability plan administrator holds real power over your financial future, and the law requires it to use that power responsibly. When it does not, you have the right to respond. ERISA breach of fiduciary duty claims in Nashville give injured claimants a way to challenge unfair conduct and recover what they are owed.
For more than 26 years, we have focused exclusively on disability insurance claims. Although we are based in Nashville, we represent disability claimants in all 50 states, including Tennessee and neighboring states such as Kentucky, Virginia, North Carolina, Georgia, Alabama, Mississippi, Arkansas, and Missouri. We are dedicated to protecting your rights, whether that means filing an application, appealing a denial, or filing a lawsuit in federal court. Contact Cody Allison & Associates today for a consultation to discuss your situation.