If your ERISA disability claim was denied, you’re not alone. Many employees in Denver face this challenge when seeking long-term disability benefits under employer-sponsored plans. The ERISA appeal process can feel overwhelming, but understanding your rights and the steps involved can make a critical difference.
What Is an ERISA Disability Appeal?
An ERISA disability appeal is the formal process of challenging a denied claim for long-term disability benefits under the Employee Retirement Income Security Act (ERISA). This federal law governs most employer-sponsored benefit plans, including disability insurance. If your claim was denied, you have the right to appeal—but strict deadlines and documentation requirements apply.
Why ERISA Claims Are Denied
Insurance companies often deny ERISA long-term disability claims for reasons such as:
- Insufficient medical evidence
- Missed deadlines
- Policy exclusions or limitations
- Failure to meet the plan’s definition of disability
- Failure to exhaust all administrative remedies
These denials can feel unfair, especially when you’re unable to work. That’s why the ERISA appeal process exists—to give you a chance to present additional evidence and correct any issues.
The ERISA Appeal Process Explained
The ERISA appeal process is highly regulated. Here’s what you need to know:
- Deadline: You typically have 180 days from the denial notice to file your appeal.
- Evidence: You must submit all supporting medical records, vocational reports, and expert opinions during the appeal. No new evidence can be added later if the case goes to court.
- Internal Review: The insurance company conducts the review, but ERISA requires a “full and fair” process.
- Next Step: If the appeal is denied, you may file a lawsuit in federal court.
Missing a deadline or failing to include key evidence can end your claim. This is why working with an experienced ERISA attorney is essential.
Why You Need an ERISA Disability Lawyer
ERISA law is complex. Unlike other insurance disputes, these cases follow strict federal rules that limit your options later. An ERISA disability lawyer can:
- Analyze your denial letter and plan documents
- Gather and organize medical and vocational evidence
- Ensure compliance with ERISA timelines and procedures
- Prepare your case for litigation if necessary
At Baker Law Group, PLLC, we understand the stakes. Our team combines strategy, experience, and responsiveness to protect your rights and fight for the benefits you deserve.
Common Mistakes to Avoid
- Waiting too long to start your appeal
- Submitting incomplete medical documentation
- Assuming the insurance company will be fair
- Trying to handle the appeal without legal guidance
Every step matters. A single mistake can close the door on your benefits.
Take Action Today
If your ERISA long-term disability claim was denied, don’t wait. The clock is ticking, and your future is on the line. Contact Baker Law Group, PLLC in Denver to schedule a consultation. We’ll review your case, explain your options, and help you build the strongest possible appeal.
