The ERISA is the Employee Retirement Income Security Act, which sets out minimum standards and requirements for things like health plans, life insurance, retirement and disability benefits. If you are struggling with a life insurance claim or anything else related to ERISA policies, then you should seek legal advice, because you may be entitled to make a claim against your current or former employer.
The ERISA regulations are complex, and it is important that you know exactly what you are getting into, what you are entitled to, and the procedures that you would need to follow in order to make a claim. There are differences between states, so a person who is dealing with a company in San Francisco should look for the best ERISA life insurance attorney in San Francisco as well.
Talk to the attorney and ask them what experience they have in working with cases similar to yours. There are some attorneys that specialise in ERISA related issues, and these will be able to help you a lot better than someone who has more expertise with, say divorce law or criminal law.
Look for an attorney that is willing to handle your case personally – rather than pass it on to junior employees or have a ‘team’ working the case. You will find it a lot less stressful if you have one person working on the issue for you so that you don’t need to explain everything over and over.
If you are looking to make an ERISA appeal, then this must be done in writing, and the process can be quite complex. It is important that the appeal is made in a timely fashion and that the paperwork is correct so that it can be assessed – if you don’t make the appeal in the right way and the right time frame you could completely lose out on whatever it was that you were trying to claim. Don’t try to make the appeal yourself – talk to an attorney and have them do it for you – this is the only way that you can be certain that the appeal will be handled in a professional and correct manner, with all of the documents presented in a way that gives you the best chance of getting the life insurance or other benefits that you are entitled to.