Analyzing Your Case

ERISA, the Employee Retirement Income Security Act, regulates most insurance obtained through one’s employer. Policyholders have very few rights under ERISA; insurance companies hold all the strongest cards. They can deny ERISA life, health or disability insurance claims for little or no reason without the threat of fiscal penalty because ERISA only requires the insurance company to pay the benefit it owes.  ERISA excuses the insurance company from paying punitive damages or bad faith damages.

Because state insurance laws offer much greater protection to insureds, we will investigate whether there is a way to have the case considered outside of ERISA. There are exceptions to ERISA for employees of the federal, state, county or municipal governments and employees of religious organizations, business owners and volunteers as well as to those who purchased insurance individually, independent from their employment.

To successfully resolve a disputed ERISA claim takes a great deal of legal knowledge and skill. At Nelson Langer Engle, PLLC, our ERISA litigation attorneys often succeed where others fail because of our careful and complete analysis of each ERISA case.