Florida ERISA Lawyer

Vigilant and Empathetic Representation to Ensure Our Clients Get What They Deserve

The Employee Retirement Income Security Act (ERISA) was passed in 1974. It provides a variety of benefits for workers — many of which relate to employee benefits packages. Among these benefits, the law regulates how every disability insurance company or policy administrator must treat long-term disability (LTD) claims. Unfortunately, it’s sometimes the case that workers will face a denied disability claim — even though the law clearly states they should be eligible. If you’re in such a situation, an ERISA lawyer in Florida may be able to assist.

At The Law Office of Nancy L. Cavey, our disability attorneys work daily to secure favorable and fair outcomes for each of our clients. We are committed to helping individuals secure benefits — all the way through the appeals process — because we’ve seen our own family members struggle to receive the benefits they earned. Our law firm is also one of the few in the country that deals with ERISA disability insurance law. Put simply, our legal team is the one you want on your side after receiving an unfair denial letter.

Contact us for a free consultation today.

How Does the ERISA Law Work?

Most employers fall under ERISA law — particularly if they offer employee benefit plans. The statute covers many different areas, but most people only encounter it when filing long-term disability claims. During the claims process, plan administrators and insurance companies must meet certain requirements. These include providing written notices of benefit determinations, disclosing why benefits were denied, and offering an appeals process for individuals who feel they’ve been wrongfully denied benefits.

Filing an ERISA long-term disability claim becomes necessary when a person doesn’t receive the benefits they feel they deserve. Whether for a minor injury that will last a few months or a total or partial disability that will last years, insurers and plan administrators must operate in good faith. If they fail to do so and disability benefits are wrongfully denied, they may find themselves in federal court. Fortunately, this isn’t always necessary. In fact, an ERISA lawyer in Florida may be able to help you avoid litigation.

In many instances, ERISA claims can be handled outside of the courtroom. Perhaps there was a simple misunderstanding, or maybe your plan administrator realizes you’re serious once you have a law firm on your side. Regardless of the unique circumstances of your situation, the long-term disability attorneys at our legal offices are ready to help. And since we offer free consultations, you have nothing to lose by reaching out and learning more.

Does ERISA Cover More Than Long-Term Disability Benefits?

When someone faces a claim denial under ERISA disability insurance or through a plan administrator, it’s typically in relation to long-term disability benefits. After all, these benefits are meant to provide financial security to individuals who will be out of work for more than a year. This makes it easy to understand why the people administering plans will try to avoid paying on a disability claim. Put simply, approvals mean a long-term financial commitment. However, ERISA benefits extend far beyond long-term disability.

In fact, a worker can file an ERISA claim related to most issues involving employee pension and benefits programs. This includes short-term disability benefits for those who need assistance while out of work from weeks to months. Unfortunately, securing financial help will not always be easy or straightforward. This is why you should consider speaking with ERISA attorneys in Florida. An experienced legal professional can help you navigate ERISA claims, and if you don’t qualify for benefits, you may be eligible for support from the Social Security Administration or workers’ comp.

Disability law is a complicated area, but our law firm is here to help you secure your LTD benefits — and any other disability benefits you may be entitled to.

Should You Work Directly With the Insurance Company?

If you’re seeking short- or long-term disability benefits from an insurance company, it’s important to remember who you’re dealing with. While these policy providers may pretend to care about your situation, the reality is that they remain for-profit businesses. While they do face certain regulations under state and federal law, they understand that paying out all disability claims could be damaging for their company. This is why they’ll often try to avoid paying benefits when possible.

For this reason, it’s important to speak with an attorney if you’re having trouble with short- or long-term disability insurance companies. Even if your employee benefits are clear, insurers will try everything they can to show you’re not eligible. From challenging your disability diagnosis to arguing that you don’t meet statutory requirements, disability insurance companies are highly experienced at interfering with policyholders’ rights. However, you should never take “no” for an answer.

If an insurance company is giving you trouble, it may be time to contact an ERISA law firm in Florida. At The Law Office of Nancy L. Cavey, you’ll work with an experienced ERISA disability lawyer who will help you understand your rights and fight to secure every dime you deserve. If, for some reason, you don’t qualify for short- or long-term disability benefits, we work in various other areas (e.g., workers’ compensation, SSDI benefits) and may still be able to assist. Contact us today.

Contact an ERISA Disability Lawyer in Florida Today

When filing a claim for disability benefits, you’re up against strict deadlines, extreme evidentiary standards, and probably an insurer who would rather not pay on your policy. Many claimants find themselves unsure of how to move forward, and in some cases, this results in them missing out on disability insurance benefits they rightfully deserve. However, you don’t have to do this alone. Whether it’s your employer, a plan administrator, or an insurer giving you issues, an experienced ERISA disability lawyer may be able to help.

At The Law Office of Nancy L. Cavey, you’ll work with a dedicated disability attorney committed to securing benefits on your behalf. When you’re filing a disability claim, federal law is on your side. However, this doesn’t mean you won’t encounter problems or denials — both appropriate and wrongful in nature. We’ll do everything possible to get you the benefits you deserve — from consulting with medical professionals to filing litigation in federal court. The disability process can be difficult, but we’re here to guide you through it.

Contact us at (727) 477-3263 to schedule your free consultation. Our ERISA disability lawyers in Florida are ready to help.