Protecting Your Rights.
Securing Your Benefits.

ERISA disability insurance generally refers to employer-sponsored disability benefit plans governed by the Employee Retirement Income Security Act (ERISA). These plans may provide short-term or long-term disability benefits when a medical condition prevents an eligible participant from working.

Review the denial letter carefully and pay attention to the deadline for filing an appeal. The ERISA appeal process can be especially important because the documents and evidence submitted during the administrative process may affect later litigation.

Deadlines depend on the plan and circumstances. Many ERISA disability plans provide a limited period to submit an administrative appeal, so it is important to review your denial letter and plan documents promptly.

Relevant evidence may include medical records, physician opinions, diagnostic testing, treatment history, medication information, occupational requirements, and other documentation showing how your condition affects your ability to perform your job.

Yes. An insurer or plan administrator may periodically review an existing claim and determine that benefits should end. A termination may be challenged through the applicable ERISA claims and appeals process.