Welcome to the

Law Office of Daniel Berger

Applying for ERISA Group Disability Benefits

An Employment Retirement Income Security Act (ERISA) plan is a federal law that covers long-term disability benefits plans that are offered by employers. If this type of plan might be beneficial for you, it is important for you to know the following information, which will help you understand the eligibility requirements and application process.

ERISA Disability

About ERISA

Most employer provided long-term disability benefits plans are governed by ERISA. The law has been in place since 1974 and covers most aspect of employee welfare benefits. ERISA allows employees who have had denied disability claims the right to pursue a lawsuit in the federal court system.

The Importance of Your Initial Disability Claim

If an ERISA disability claim has been denied in a court, it is difficult to have that decision overturned because the insurance companies only need to show a small amount of evidence to prove their reason for denial. If you do not provide enough information to prove your case, or if you made any errors on your application, there is a good chance your claim will be denied. So, you need to make sure your initial claim is complete, accurate and provides enough information to create a strong case.

Applying for Long-Term Benefits

The process of applying for long-term benefits is long and can be quite complicated. The following steps will help guide you through the process and help in achieving a positive outcome.

– Read your policy. Be aware of what is and is not covered. Ask your policyholder for a copy of the Summary Plan Description and make sure you know and understand it.

– Determine the date of your disability. All of the dates that are associated with your claim are dependent on this date. So, it is imperative that it is accurate.

– Determine your last day of work. This date is important for determining the start-date of your benefits and onset of your disability.

– Know your deadlines. There are many deadlines involved with filing an ERISA claim. Failure to meet any of them by even one day can mean your claim will be denied.

– Get copies of your medical records. The information the insurance company will use to determine your eligibility is contained in these records. It is imperative you know what is included in these documents and that it is accurate.

– Talk to a lawyer. A qualified and experienced disability attorney is a great resource for helping you work through this difficult process.

If you have questions regarding ERISA or if you would like to talk to an attorney about beginning an ERISA claim, contact the law office of Daniel Berger today.

Contact us Today!

Call toll free 1-855-444-7024

or

Free Case Evaluation

Our Testimonials

Testimonial by Carlos Torres

"El proceso que yo tuve con el abogado Daniel Berger y su officina fue muy excelente.

Me gusto come el abogado Berger me ayudo el dia del audencia con el juez. Sus secratarias fueron muy amables y me ayudaron mucho con mi caso. Yo recomendo mucho a el abogado Daniel Berger."

– Carlos Torres
Testimonial by A.Y. Disla

"I was extremely satisfied with Mr. Daniel Berger and his staff.

Mr. Berger was great in the hearing and how he handled my case. I am really thankful for all the hard work. Mr. Berger and his staff did and for winning my case."

– A.Y. Disla
Testimonial by Lilliam Rivera-Reyes

"I had a very challenging case; another attorney took my case and to my surprise sent me a letter dropping my case. I was very down and did not think I had a chance, until I met Mr. Berger and his staff.

Their professionalism and hospitality was very warm and inviting. They took my case on as a challenge and gave me a hope. I am very thankful for his professionalism and for winning my case. I will never forget him and will recommend him to my friends and family."

– Lilliam Rivera-Reyes