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ERISA Attorney Serving All 50 States
Denied Benefits? Let An ERISA Attorney Help
You’ve worked hard to earn the benefits promised through your employer-sponsored plan, only to have your claim unfairly denied. You need an experienced ERISA attorney to fight for you.
At Boonswang Law, we know the tactics insurance companies and employers use to avoid paying benefits. Our ERISA attorneys will aggressively challenge your claim denial, holding insurers accountable and fighting for the full compensation you’re entitled to under federal law.
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No Fee Unless We Win
What Is ERISA and Why Claims Denials Matter
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that protects employees and their beneficiaries when they participate in employer-sponsored benefit plans. These include life insurance, health insurance, disability benefits, and retirement plans. If your claim is denied, this law gives you the right to appeal and fight back with an ERISA attorney.
For workers like you, ERISA:
- Sets standards for how employers and insurers must manage benefit plans
- Requires employers to inform you of your benefits and rights
- Protects you if your employer fails to follow the rules or goes bankrupt
- Gives you the legal right to pursue denied benefits
When ERISA is violated, our attorneys step in to enforce your rights and recover the compensation you’re owed.
Common Reasons ERISA Claims Are Denied
Insurance companies and plan administrators often use technicalities or vague language to deny valid ERISA claims. These denials are intended to protect their profits, not your rights.
Common reasons for denial include:
- Alleged misrepresentation on your application
- Missed filing deadlines or incomplete paperwork
- Claims filed after employment termination without proper conversion
- Pre-existing condition exclusions
- Accusations of self-inflicted injury or misconduct
- Retroactive policy cancellation
- Employer’s failure to inform you of your rights or changes in coverage
If your claim has been denied or delayed, our ERISA attorneys will investigate the denial, identify any violations, and fight to recover the benefits you deserve.
How an ERISA Attorney Can Help
When your ERISA claim is denied, you need a legal team that knows how to cut through red tape and stand up to powerful insurance companies. Our attorneys take over the process so you don’t have to fight alone.
If your claim has been denied, our ERISA attorneys will:
- Review your plan documents and denial letter
- Identify violations of ERISA and employer missteps
- Gather medical records, employment documents, and other key evidence
- Prepare and submit a strong administrative appeal
- Communicate directly with insurers on your behalf
- File a lawsuit in federal court if your appeal is denied—something we’ve done successfully for New Jersey life insurance beneficiaries and clients across the U.S.
- Pursue the full value of your benefits, plus interest where applicable
Why Choose Boonswang Law
Boonswang Law is a nationally recognized law firm with over 20 years of success in life insurance litigation, ERISA appeals, and bad faith insurance claims. We’ve recovered over $200 million for clients denied their rightful benefits, including military veterans with TSGLI claims and families impacted by accidental death claim denials. Learn more about how our life insurance dispute lawyers can help.
Whether you’re up against a technicality, a wrongful cancellation, or your employer’s failure to notify you of your rights, we have the skill, resources, and determination to fight for you. Our attorneys have helped clients across the country, including life insurance beneficiaries in California, recover what they’re owed. You won’t pay until we win, because your financial recovery is our top priority.
The ERISA Appeals Process: What to Expect
Appealing a denied ERISA claim can be time-sensitive, but with the right legal team, you can level the playing field. Here’s what you can expect when working with Boonswang Law to challenge your denial:
- Free Case Evaluation: We’ll review your denial letter and benefits plan to determine the specifics of your case, whether you live in Texas, Florida, New York, or another state.
- Gathering Evidence: Our attorneys collect medical records, employment documents, plan details, and any additional evidence needed to build your appeal.
- Filing the Administrative Appeal: We prepare and submit a written appeal within the ERISA deadline, highlighting violations, errors, or missing information.
- Monitoring the Review Process: We stay in contact with the insurance company or plan administrator to ensure they follow federal guidelines during the appeal.
- Receiving a Decision: You’ll receive a written response to your appeal. If approved, benefits are paid. If denied, we prepare to escalate.
- Filing a Lawsuit in Federal Court (if necessary): If your appeal is unsuccessful, we take your case to court and fight aggressively to recover the benefits you’re entitled to.
FAQs About ERISA Claims
What if my appeal is denied?
If your appeal is denied, our attorneys will escalate the matter by filing a federal lawsuit under ERISA. We use the full record from your administrative appeal, along with any additional legal arguments to hold the insurer or plan administrator accountable.
How long do I have to appeal a denied claim?
Under ERISA, you typically have 180 days from the date of the denial letter to file an administrative appeal. It’s important to act quickly, as missing this deadline can prevent you from pursuing your claim in court. Our ERISA attorneys will help you meet all deadlines and prepare a compelling appeal from the start.
Do I have to pay upfront for legal representation?
No. At Boonswang Law, we work on a contingency fee basis, so you won’t pay us until we win your case. You’ll never be asked to pay out of pocket for our services, and your consultation is completely free.
Contact Our Team of ERISA Life Insurance Attorneys Today
Areas We Serve
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
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- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- US Virgin Islands
- Utah
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- Virginia
- Washington
- West Virginia
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