Is it easy to make an ERISA disability claim?

On Behalf of | Sep 29, 2022 | ERISA Disability Benefits

ERISA disability insurance is an employee benefits package often provided by employers. ERISA stands for “Employee Retirement Income Security Act” established in 1974 and protects individuals. If an employee files for an ERISA disability claim, they may be given long-term or short-term healthcare benefits.

Once an employee decides to file an ERISA disability claim, they may be given some of their benefits, however, it’s not that simple and many claims are often denied. Here’s what you should know:

Why would you file an ERISA disability claim?

Many people develop complex and impeding disabilities that prevent them from working and returning to their normal life. When someone becomes disabled and can no longer work they may file for an ERISA disability claim provided by their employer. People may be qualified for an ERISA disability plan if they have mental or physical disabilities: memory loss, verbal impairment, cancer, muscle loss and any other condition that severely limits their ability to function at work.

Why would an ERISA claim be denied?

After an employee files an ERISA claim, insurance providers have to decide if the claim is valid and will be accepted or denied. It can take over almost two months before hearing a clear answer about a claim. 

Many ERISA claims come back denied, however, some reasons for an ERISA claim denial aren’t always clear and may require a legal hearing. Many denials result from not having enough evidence about the disability or abstract reasoning. If you believe an ERISA claim shouldn’t have been denied, you may need to reach out for legal help.