Helping Clients Through ERISA Benefit Claim Denials
For anyone who is eligible to receive short-term or long-term disability benefits, there are few things more challenging than the denial of a legitimate claim. You could be worried about how to cover your medical costs and cost of living. You could be scared that you will lose the retirement income you have worked and saved to maintain.
Under the Employee Retirement Income Security Act (ERISA), there are legal protections in place to obtain rightful benefits. It is important to work with an experienced and talented legal team to help you get the benefits you need.
At Willeford & Toledano, we have decades of experience working with clients who have received denials of their legitimate claims. From our home office in New Orleans, we serve clients throughout the parishes of Louisiana.
Your Claim Was Denied. Now What?
After you have filed an appropriate claim, and that claim has been denied, there are two essential steps.
- Exhaust the administrative process: Every plan will have an administrative process spelled out. You must follow that plan, meeting all deadlines in a timely manner, before bringing a lawsuit. Within the plan’s process, you will have the opportunity to appeal, at most twice.
- Lawsuit: If you have gone through the administrative processes, including any appeals required, and you still haven’t obtained the benefits you need, you will have the opportunity to bring a lawsuit in court to get your benefits.
Whether you are at the initial denial phase or you have already been through the appeals process and are considering a lawsuit, talk with our lawyers. We have a thorough understanding of ERISA law, and we can walk you through the process to get you the benefits you need and deserve.