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The Employee Retirement Income Security Act of 1974 (ERISA) is a complex federal law that regulates many employer-sponsored group insurance plans. If you have filed a claim under an ERISA claim, your full benefits should be paid out without delay. Unfortunately, that is not always what happens.
At Kantor & Kantor LLP, our top-rated Half Moon Bay ERISA disability attorneys have the skills and legal experience needed to hold the big insurance companies accountable. If your ERISA application was denied in San Mateo County, you need to take action now. Please contact us today to get an immediate review of your claim.
If your ERISA claim was denied by the insurance company, you should figure out why that decision was made. Under federal regulations, the insurance company has a legal duty to send you a written denial letter that explains the basic reasons behind their decision. You should get that denial letter over to your Half Moon Bay ERISA attorney immediately. Your lawyer will be able to review the letter and the circumstances surrounding your case in order to determine what action you need to take next. It is important to note that you only have 180 days to file an administrative appeal. If you fail to take action in time, you may lose out on your legal rights.
Once you file your initial ERISA application, all documents and records that you send the insurance company will go into an official claim file that is referred to as the ‘Administrative Record’. The Administrative Record will form the foundation of your ERISA case. The insurance company is required to keep all information you send them organized in this file. In the event you need to file a lawsuit to get your ERISA benefits, the court will only be able to review the documents and records that are contained in this file. If you fail to submit important evidence directly to the insurance company, you will likely lose out on the ability to use that evidence in court. This is a huge mistake that could destroy your legal claim. Our Half Moon Bay ERISA attorneys will make sure that all relevant evidence gets into the Administrative Record.
At Kantor & Kantor LLP, our Northern California ERISA lawyers are committed to providing aggressive legal representation to our clients. If you or a family member has had your application for ERISA benefits denied in San Mateo County, please contact our Half Moon Bay ERISA attorneys today. Initial legal consultations are fully private and free of charge.
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