When your employee benefits are unfairly denied, it can feel like the system is working against you. The Employee Retirement Income Security Act (ERISA) was designed to protect employees’ benefits, ensuring fair treatment and clear processes for employer-sponsored plans. However, many individuals face overwhelming hurdles when ERISA claims are denied. Roberts Disability Law, P.C. is here to guide you through these challenges and help you secure the benefits you deserve.

What is ERISA and Why Does It Matter?

ERISA, or the Employee Retirement Income Security Act, is a federal law enacted in 1974 to protect employees’ rights to workplace benefits such as health insurance, disability coverage, life insurance, retirement plans, and more. The law sets minimum standards for plan management and ensures that employees have access to their benefits in a fair, transparent, and orderly process.

Though ERISA plays a critical role in safeguarding your rights, the claims process can be confusing, and denials are all too common. When a claim is denied, obtaining these crucial benefits often requires persistence and a deep understanding of ERISA regulations.

Why Are ERISA Claims Denied?

Navigating an ERISA claim denial can be daunting, as insurers and employers may cite complex or vague reasons for their decision. Some of the most common reasons ERISA claims are denied include:

• Insufficient Medical Evidence: Insurers may argue that your medical records do not support the severity of your disability or condition.
• Failure to Meet Plan Deadlines: Strict timelines must be followed when submitting appeals and required forms. Missing a deadline can jeopardize your claim.
• Procedural Errors: Denials may result from incomplete paperwork or failure to meet the insurer’s specific claim requirements.
• Prolonged Medical Conditions: Long-haul COVID and other conditions that are harder to diagnose may be unjustly dismissed as insufficiently disabling.
• Misrepresentation of Policy Language: Insurers may misinterpret or selectively enforce plan terms to justify a denial.

These issues are far too prevalent, leaving claimants to pay out of pocket for financial gaps they were promised would be covered.

How Roberts Disability Law, P.C. Can Help

At Roberts Disability Law, P.C., we understand how devastating a claim denial can be—not just financially but emotionally as well. Our team, led by attorney Michelle Roberts, understands ERISA claim appeals and has spent years successfully challenging insurance companies and plan administrators. If you live in San Jose and need help overturning an ERISA claim denial, here’s how we can assist:

• Navigating the Appeals Process: From reviewing your policy language to gathering robust evidence, we ensure every detail of your appeal is airtight.
• Personalized Attention: No two cases are alike, and we take the time to deeply understand your medical history, career, and personal challenges.
• Experience in ERISA Law: The ERISA system is riddled with procedural hurdles that require knowledgeable navigation. Our experience means fewer missteps and better outcomes for your case.
• Proven Track Record: We’ve helped countless clients secure full and fair compensation after their cases were initially denied. Your success is our mission.

A Law Firm That Puts You First

Roberts Disability Law, P.C. was founded with a commitment to supporting individuals who often feel overlooked or dismissed. Michelle Roberts knows firsthand the challenges faced by people with disabilities. Inspired by her own father, a disabled veteran, Michelle has made it her life’s work to advocate for those who deserve justice but face intimidating systems.

When you work with us, you’re not just another case. You’re part of a community we fight tirelessly for. We will work alongside you, crafting a compelling appeal and taking the fight directly to the insurance companies. Together, we will aim for the successful resolution you deserve.

Don’t Face ERISA Denials Alone

If your ERISA claim has been denied, don’t lose hope. Roberts Disability Law, P.C. is ready to fight for you. Schedule a consultation today and take the first step toward reclaiming your benefits. With our support, you don’t have to face claim denials on your own.