If your benefits are denied, it is best to contact an experienced ERISA attorney for the appeal. That is because it is important that a complete administrative record be made. A complete administrative record is necessary, because if you lose your appeal and exhaust all of your administrative appeals, the next level of appeal is to the federal court.  The court is required under the law to review your case based on the administrative record only and will rarely let you bring in any new information at that time.  Therefore, it is very necessary that you put forward your best case possible at the administrative level.  We and our experienced Missouri ERISA attorneys can help you with your administrative appeals and, if that is unsuccessful, we can then handle your appeal to federal court.