Often people do not understand the benefits they get through their employer. Work benefits usually fall under the Employee Retirement Income Security Act of 1974 or ERISA for short. These will cover pension benefits and welfare benefits. Welfare benefits including things such as long term disability, life insurance, health insurance, disability coverage, dental, long term care, and similar benefits. Pension benefits are retirement benefits.
If you have been denied these benefits through an employer you have the right to appeal. These rules are different from regular insurance. A person that is applying under ERISA must have all documents in order to support their case or the claim will be denied. This information is very important when determining benefits.
If you are looking for ERISA benefits or have been denied you should find a lawyer that specialized in this area. They must be familiar with the rules of ERISA and can help win an appeal. In most cases there is not up front fee.
This area of law can be rather complicated. Insurance companies, employers, and even unions may not know the roles. It is important to have a lawyer that specializes in ERISA and the rights of their client. They should contact a lawyer right away when applying under ERISA.