ERISA Benefit Claims Lawyer

Professional ERISA Benefit Claim Attorneys Helping Clients Around the United States

At Eric Buchanan & Associates, our experienced ERISA benefit claim lawyers are dedicated to helping clients nationwide navigate the complexities of ERISA (Employee Retirement Income Security Act) claims. If your disability insurance claim has been wrongfully denied or terminated, our team brings decades of specialized experience to secure the benefits you deserve.

With a proven track record of success, we understand the intricate regulations governing ERISA plans and use our expertise to challenge insurance companies’ unfair practices. Our attorneys are committed to providing personalized, compassionate legal representation to ensure your rights are protected.

Our Expertise in ERISA Benefit Claims

Our firm has handled hundreds of ERISA benefit claims, including:

  • Denied long-term disability (LTD) claims
  • Terminated disability benefits
  • Disputes over short-term disability (STD) coverage
  • ERISA pension and retirement plan disputes
  • Life insurance and health benefit claim denials

Our lead attorney, Eric Buchanan has many years of experience in ERISA law. Our team stays updated on the latest ERISA regulations and court rulings to provide cutting-edge representation.

How We Help with Your ERISA Disability Claim

Navigating an ERISA claim can be daunting due to strict deadlines, complex paperwork, and aggressive insurance company tactics. As your ERISA benefit claims lawyer, we guide you through every step, including:

  • Claim Review and Analysis: We thoroughly review your denial letter and plan documents to identify errors or violations by the insurance company.
  • Appeals Process: We prepare and file comprehensive appeals, including medical evidence and expert opinions, to strengthen your case.
  • Litigation: If your appeal is denied, we represent you in federal court to fight for your rightful benefits.
  • Negotiation: We negotiate with insurance companies to secure settlements when appropriate.

Our goal is to alleviate the stress of the process, allowing you to focus on your health and well-being.

Why ERISA Claims Are Different

ERISA claims are governed by federal law, which imposes unique challenges, such as:

  • Short deadlines for filing appeals (often 180 days or less)
  • Limited ability to introduce new evidence after the initial claim
  • Complex plan language that insurance companies exploit

Our attorneys are well-versed in these nuances and use strategic approaches to overcome them. We’ve successfully represented clients against major insurance providers, ensuring they receive the benefits they’re entitled to under their ERISA plans.

Our Commitment to Trust and Transparency

At Eric Buchanan & Associates, we prioritize trustworthiness in every interaction. Here’s what you can expect:

  • Clear Communication: We explain your case in plain language, keeping you informed at every stage.
  • No Upfront Costs: We work on a contingency fee basis, meaning you pay nothing unless we win your case.
  • Proven Results: Our firm has recovered millions in benefits for clients nationwide.

We are proud to be recognized by the Tennessee Trial Lawyers Association, reflecting our commitment to excellence in ERISA law.

Contact Our ERISA Benefit Claims Lawyers Today

If your ERISA disability claim has been denied or terminated, don’t wait to seek help. The sooner you act, the stronger your case can be. Contact Eric Buchanan & Associates for a free, no-obligation consultation with an experienced ERISA benefit claim lawyers.

ERISA Benefit Claims FAQ’s

If your ERISA disability claim is denied, you must file an administrative appeal within the strict deadline, typically 180 days from the denial letter. Gather medical evidence, such as a doctor’s note detailing your inability to work, and consider hiring our experienced ERISA attorney to strengthen your appeal. Missing the deadline or failing to include key evidence can bar you from suing later, as courts generally only review the administrative record. An attorney can help navigate the complex appeal process and improve your chances of overturning the denial.

To appeal a denied ERISA claim, submit a written request to the plan administrator with supporting evidence, such as medical records or expert opinions, within the 180-day deadline (check your plan documents for specifics). The appeal is critical because it’s your last chance to build the administrative record before a lawsuit. Courts typically don’t allow new evidence, so a thorough appeal is essential. An ERISA lawyer can analyze the denial, gather additional evidence, and craft arguments to challenge the insurer’s decision, as the process involves complex regulations and strict deadlines.

ERISA governs most employer-provided benefit plans, including disability, health, and life insurance, unless the employer is a government entity or church (unless the church opts into ERISA). If ERISA applies, it preempts state law claims, limiting remedies to benefits owed, interest, and sometimes attorney’s fees—no punitive or consequential damages are available. Confirm with your employer or an ERISA attorney whether your plan is covered, as this impacts your legal options and strategy.

ERISA requires plan administrators to decide claims within specific timeframes and provide clear denial reasons. If they delay, request excessive documents, or mismanage your claim, you can demand a timely decision under ERISA regulations. If delays persist, consult an ERISA attorney to escalate the issue or explore legal action. You’re also entitled to request plan documents within 30 days, and failure to provide them may lead to penalties. An attorney can help enforce these rights and address issues like fiduciary breaches or improper denials.