When it comes to long term disability insurance claims, many people assume that the process of obtaining their disability benefits will be straight-forward and simple. However, the claim and appeals process, when it comes to ERISA insurance plans can be complex and difficult to navigate for a person who isn’t familiar with the ERISA regulations. In this blog, we explain why you should hire an attorney to help you handle your ERISA claim or appeal.

Reason #1

It is important to note that you likely have only one appeal and one chance to submit the necessary medical, vocational, and witness evidence when it comes to getting your ERISA claim approved or appeal granted. This is because ERISA regulations limit your ability to continuously submit supporting evidence of your disability. Because of this, you should have an experienced ERISA attorney who is capable of helping you address the various obstacles you might face.

Reason #2

You can find yourself in an extremely limited position if your claim ends up going to court. Not only is your appeal the only opportunity you’ll have to prove your claim, but most of the time the entire process will hinge on the evidence your insurance company has in its possession. Because of this, you should have an ERISA lawyer assist with your appeal to ensure that all the materials you submit will be useful in the event that you need to go to court to get your benefits.

Reason #3

Many people are often surprised to learn about the numerous ways ERISA laws impact their disability benefit claim and protecting your rights under ERISA should be of the utmost importance to you. Hiring a lawyer who understands and has a background handling ERISA cases will ensure that you are not caught off guard during the appeal process. Having strong representation can be the difference between receiving long term disability benefits or not.