As a Missouri employee in a private company you may have been enrolled in a benefits plan that includes disability benefits, life insurance or accidental death benefits. The details of these benefits should never be held from you and should be readily available upon request.
The Employee Retirement Income Security Act (ERISA) is a federal law that gives employees the right to access information about the benefits plan they participate in. According to ERISA law your employer must provide you with a Summary Plan Description within 90 days of your enrollment.
The Summary Plan Description is the documentation that summarizes the benefits you are entitled to, your rights to these benefits, and the obligations of you, your employer and the plan management known as fiduciaries. This needs to be made available in an easily understood method, both in language and format.
It's common for your benefits plan to have this documentation readily available for download on their website, but you have a right to also request a physical copy to be mailed to you. If at any time you are denied access to your benefits plan details this should raise suspicions about the conduct of your employers or fiduciaries.
Under ERISA law you have the right to request certain details of your benefits plan at any time, and should also expect periodic updates regarding annual reports on your plan. Failure to comply with these regulations can raise suspicions of misconduct and should be brought to the attention of a St. Louis ERISA lawyer.
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 lawyer 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.
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