Do You Know If You Have Disability Benefits?

Among the employee contracts, W-2 forms, and all the other paperwork you filled out upon starting your job you were most likely provided with a benefits package. This portion of your new hire paperwork should include a disclosure of all the benefits you are entitled to and explain the nuances of each program.

Disability benefits are one of the most common types of benefits found in a new employee's benefits package. Most employees don't give a second glance at this type of benefit, thinking it is not applicable to them. However, studies show that 1 in 5 workers in the U.S. will find themselves disabled at some point in their lives. That's where your disability benefits will prove to be an invaluable lifeline.

The Employee Retirement Income Security Act (ERISA) is a law that helps protect employee benefits under pension plans and other insurance. The ERISA regulations will serve to protect you should a disagreement between you and the disability insurance company arise over a disability claim.

One of the regulations of the ERISA is that you have the right to request disclosure of the details of your disability benefits plan at any time. If you file a disability benefits claim and are denied, you should contact a St. Louis ERISA lawyer to help investigate your case. You may need to request the details of your benefits plan to see if any violations were made in your rights to coverage.

It's important to have a general understanding of ERISA and how the laws entitle you to information about your benefits and how they are being handled. An experienced St. Louis ERISA lawyer can help you make sense of this complicated aspect of insurance law. 

Contacting a St. Louis ERISA Lawyer to Protect Your Rights

If your ERISA-controlled disability benefits, life insurance or accidental death benefits have been unfairly denied it's important that you seek legal guidance from a St. Louis ERISA attorney who understands the intricacies of these very complex cases. The Missouri ERISA attorney team at Bollwerk & Tatlow, LLC fights for Missouri workers. Contact us today - 314-315-8111.