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Most people encounter the word “ERISA” for the first time when their employer-sponsored benefits have been denied. These kinds of claims can be complicated and frustrating, and if you aren’t careful, you may lose your ability to obtain the benefits you were wrongfully denied. This is why it’s so important to speak with an 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...

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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...

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You just received a letter from your long-term disability insurance company because they heard about the past-due disability benefits you were awarded from another source. Perhaps it was an award of past-due Social Security Disability (SSDI) benefits or it was from another disability policy you purchased. The insurance company now wants you to pay them!...

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Preemption is a legal term that essentially says goodbye to state law when it comes to ERISA. Unless state law is specific to insurance products, ERISA applies to your case. Forget about bad faith laws in your state. Forget about jury trials. ERISA applies. The preemption of federal law over state law is ERISA. That...

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