The Employee Retirement Income Security System Act known as ERISA is a federal law stating the standards for a pension plan for private sector employees and the amount of federal income tax they is part of these plans. A person cannot have their money taken in an unfair manner and it cannot be denied to them. The employer must give the employee information about their rights. This also covers disability insurance claims for group employment plans as well as private businesses. A person will be informed if they are covered and may need a lawyer to get the benefits.
In order to get ERISA benefits a person must present evidence that they cannot work. It is not uncommon be to denied benefits. A person can appeal this decision. If they are once again denied they may need to file a civil lawsuit.
An insurance company is not allowed to unreasonably deny benefits under this rule. A lawyer may need to prove they acted in an unreasonable manner. They can investigate the claim as well as the limitation for working that a person is claiming. They can also file a civil lawsuit and go before a deferral judge.
ERISA benefits may not be easy to claim but an attorney can help you through the process and many lawyers offer a free consultation.