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How to strengthen your ERISA claim

On Behalf of | Aug 5, 2022 | Firm News

Millions of Americans work hard for decades to provide for their families and build a better future. Part of this also includes preparing for retirement. Sadly, millions of Americans also have matters taken out of their hands through illness or disability.

Not only can long-term illnesses or disabilities cause discomfort physically and emotionally, but they can take their toll financially too.

Fortunately, the Employee Retirement Income Security Act of 1974 (ERISA) offers some assistance for the issues outlined above. Individuals may be eligible for benefits that relieve some of the financial burdens of their illness or disability. However, ERISA claims are not straightforward.

What measures can you take to strengthen your case?

Be as clear as possible

For your claim to be successful, you’ll need to explain your condition as clearly as possible and how it impacts your ability to function and work. Many claims are rejected at first instance because applicants have not sufficiently outlined their condition and provided supporting documentation, such as medical reports.

If your claim is denied initially, then you will have an opportunity to appeal, but the success of such an appeal will also rely heavily on the supporting evidence you can provide.

Continue with medical treatment

As stated above, medical documentation is key to the success of your initial claim or an appeal. The only way you can obtain this is by seeing your medical provider. If you haven’t visited the doctor for some time, then any documentation you do have will be outdated, and questions may be raised as to how your condition still impacts your ability to work.

Following recommended treatment plans shows that your condition is real and you are doing everything in your power to stay as healthy as possible.

ERISA claims can be tricky to navigate on your own, so it’s important to seek guidance while stating your case. Whether you are making your first-time claim or an appeal, you have a host of legal rights at your disposal.