ERISA Appeals & Litigation in the Third Circuit
Delaware, Pennsylvania, the Virgin Islands & New Jersey
If you live in Delaware, Pennsylvania, New Jersey or the Virgin Islands, or if your employer primarily operates out of one of these areas, your ERISA claim may fall under the jurisdiction of the U.S. Court of Appeals for the Third Circuit. Through our years in practice solely focusing on ERISA cases, we at ERISA Law Center understand exactly how the location of your case may influence your disability or life insurance claim. To learn more about ERISA claims as handled by the Third Circuit, please review the following information. We also welcome you to call an ERISA lawyer at our firm at (844) 710-2993 for a free consultation.
Disability Plan Terms Enforced by the Third Circuit
The Third Circuit has been very effective in insisting that plans and insurance companies follow plan terms. The court explains that the keystone of ERISA's protection is when an employer chooses to offer benefits (and reap the rewards of doing so), it must administer those benefits in a manner that is reasonable. Administering benefits in a way that controverts a plan's stated purpose, renders plan language meaningless and creates benefits that can exist only on paper is unreasonable. Thus, the Third Circuit has clearly held that when a plan ostensibly offers benefits that cannot possibly exist in reality, in violation of the stated purpose of the plan, this is not reasonable administration or interpretation of the plan.
The Third Circuit also rigorously enforces ERISA regulations, reasoning that an administrator's or insurance company's compliance with regulations which require full and fair claims and appeals processes is evidence of whether a decision to deny benefits is an abuse of discretion.