The policies are often very uniform and offer little variation from policyholder to policyholder and must follow certain rules that are particularly strict about the appeal process.ĮRISA policies put significant limitations on when and how you can file appeals. Most disability insurance policies sponsored by private employers, organizations, or other groups are governed by ERISA regulations. ERISA vs Non-ERISA Disability Appeals: The Main Differences Our team also handles appeals for long-term disability benefits and are ready to help if you are facing an unfair denial. This article will focus on short-term ERISA claims if your short-term disability policy is private or self-funded, contact our office for help. This law sets out specific procedures that you must follow during your appeal.
If your short-term disability benefits are employer-funded, a federal law called ERISA (Employee Retirement Income Security Act of 1974) applies to your claim. If you’re thinking about filing an appeal with your short-term disability carrier, you need to have a plan - otherwise, you may make mistakes that could reduce or even eliminate your benefits. Many people with legitimate disability insurance claims are denied benefits and then have to appeal their insurer’s decision.
Unfortunately, it’s a far too common occurrence. No one wants to get a claim denial letter from the insurance company for their short-term disability benefits.
