Why get help to file an ERISA disability claim?

On Behalf of | Oct 13, 2022 | ERISA Disability Benefits

Getting ill or injured can be costly. If you took out health insurance through your employer, you might need to file an Employee Retirement Income Security Act (ERISA) disability claim.

Yet it is not your employer that you will be dealing with now that you need to claim,  but the insurer. They will not have your interests in mind in the same ways your employer hopefully does.

Insurance companies deal with thousands of people a day, and their overall goal is to pay the minimum amount they can get away with so as to increase company profits. They are definitely not a charity.

If you have never filed before, you are at a serious disadvantage. The insurance company employees you deal with will have dealt with hundreds or thousands of claims. If they still have a job, it is because they are complying with the company’s goal of minimizing payouts. Anyone considered a pushover would soon lose their job.

You need someone equally experienced at this to represent you

Think about your favorite sport. You would not go up against someone paid to play the game if you had never played it before. So why do that with an insurance claim where the outcome is far more consequential?

Most law firms do have the required knowledge and experience to deal with an ERISA disability claim. They lack the understanding of how these claims work needed to even the playing field against the insurer. It’s a niche area of law, and you need someone who concentrates on that niche to give you the best chance of a successful outcome.