We talk quite a bit about the Employee Retirement Income Security Act (ERISA), which was passed back in 1974. If you have your workplace benefits denied, ERISA can make the appeal process a difficult and frustrating battle, which is why you need an ERISA claim lawyer. However, not all employee plans are subject to ERISA...
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When you are covered by an employer-sponsored benefit plan, understanding the ERISA claims process is essential. The Employee Retirement Income Security Act (ERISA) sets strict rules for how disability, health, life, and retirement benefits are handled. From the first claim form to the final review, every step is controlled by ERISA laws and regulations, and...
Most people do not hear about ERISA until a problem arises with their benefits. When a disability, life insurance, or health claim is denied, ERISA suddenly becomes the set of rules that controls what happens next. The process is technical, full of deadlines, and often tilted in favor of insurers, which is why knowing how...
Discover five reasons why you might need to hire an ERISA attorney to fight for your employee rights in this month’s blog from Sinclair Law Firm....
Experienced ERISA lawyer Tom Sinclair of Sinclair Law Firm answers your most pressing employee benefits questions. ...
Learn what life insurance exclusions could prevent a payout in this blog from Sinclair Law Firm....
Our client was the HR Manager for a nationwide business. Like many, she Googled for help getting her ERISA governed disability benefits when her claim was denied by New York Life. Like many, she clicked on a firm claiming nearly miraculous “success rates” and asserting they were the Best Lawyer Anywhere Ever! What she didn’t...
Choosing the right life insurance is one of the most important financial decisions you can make. However, figuring out what all the different types entail can be a little overwhelming. Term vs permanent, whole vs universal…how do you know which is right for you? Don’t worry—our team of experienced life insurance attorneys is here to...
Life insurance is a valuable safety net to protect your family from financial hardship in the event of your passing. Whether you’re a young adult, middle-aged, or a senior, it’s generally a good idea to have some kind of coverage set up to cover medical bills, living expenses, funeral expenses, etc. However, as there are...
To begin, we need to understand what makes a life insurance policy “instant” life insurance. In simplest terms, instant life insurance is an insurance policy that is issued without the usual detailed underwriting process. Normally, life insurance companies want to know the risks they are undertaking when they sign up to insure a life. Is...
Disability insurance is designed to protect your income in the event that an illness or injury prevents you from working. As such, it’s a critical part of creating a sound financial plan for yourself (and your family). There are two main types of long-term disability insurance, and they each provide essential income protection while also...
Find out how to sue a life insurance company if you believe your claim has been wrongfully denied with the help of a life insurance attorney....