Self-Paid Long-Term Disability Lawyer
The federal Employee Retirement Income Security Act (ERISA) regulates disability benefit plans for corporations that provide pension benefits for their workers. Congress was compelled to pass ERISA in 1974, in response to corporations abusing pensions for their own short-term financial needs. Today, millions of American workers rely on the so-called welfare benefit ERISA plans offer for long-term disability insurance.
Self-Paid and Employer-Paid Long-Term ERISA Disability Plans
Federal employees and workers in the railroad industry in America typically have their long-term disability plan premiums paid for by their employer. Employees may also have the option of purchasing self-paid disability insurance to supplement their ERISA plan, or as an alternative, if allowed under the rules of the pension plan. Whether you are covered by your employer's ERISA plan, or have purchased a self-paid plan or supplemental long-term disability insurance, there should be no difference in how you are treated when you make a claim for coverage.
Whether administering long-term disability coverage as an ERISA benefit, or selling policy coverage directly to an individual, the insurance provider has an obligation to perform to the provisions of the contract. That means offering full disclosure of policy coverage, limitations and claim requirements. Under the law, disability insurance providers may not engage in bad faith practices when reviewing claims. Claimants have a right to appeal if their legitimate claim is denied and also have the right to file a lawsuit seeking significant punitive damages if the provider breached provisions of the contract while denying the claim.
Greg Jones Law represents claimants who have had their disability insurance coverage denied by their ERISA provider, or by their self-paid insurance company. The firm has earned a nationwide reputation for aggressively pursuing litigation to help clients receive the full and fair benefits they deserve, while suing for additional compensation in cases when bad faith practices resulted in the denied claim.
From Anywhere in the U.S., Call Toll Free 800-481-5707
The attorneys have extensive experience representing clients nationwide against many of the largest disability insurance companies providing benefits through ERISA plans or self-paid disability insurance, including:
- CIGNA
- Standard Life
- UNUM
- Guardian Life, Berkshire Life
- Lloyd's of London
- MassMutual
- MetLife
- Principal
- Union Central
- All other disability insurance providers in states throughout the U.S.
Free Consultation · Representing Policyholders Only · No Fees if Claim Not Approved
Greg Jones Law provides legal advice and representation for clients who have been denied claims from their disability insurance provider anywhere in the United States. From anywhere, call toll free 800-481-5707 or contact the firm by e-mail to arrange a free consultation with an experienced denied claim ERISA disability attorney today.
