Tampa ERISA Disability Lawyer

Experienced ERISA Disability Attorneys Serving Clients in Tampa, FL

Disability insurance carriers and disability insurance plans are not in the business of paying legitimate claims. They are not on your side and want to deny or terminate claims to improve their bottom line. The Better Business Bureau lists around 290 results for disability insurance providers in the Tampa area. These businesses cover various insurance types, including life insurance, long-term care insurance, accident insurance, auto insurance, health insurance, property insurance, and liability insurance, among others. The unfortunate truth, is that so many insurance carriers will find any way to deny your claims and this is where our Tampa ERISA Disability Lawyer can help you.

This starts when you file your claim for your benefits and continues throughout the life of your claim – even when they are paying benefits, disability carriers and plans are looking for and actually creating reasons to justify a claim denial.

It isn’t uncommon for disability carriers and plans to…

• Call you up and ask all sorts of questions so they can twist your answers to suit their needs,
• Hire liar for hire doctors to review your medical records and say you can work,
• Have their liar for hire doctors contact your doctor to get your doctor to say that you can do your job duties,
• Have surveillance on you to “prove” that you can do more than you are telling the disability carrier or plan or your doctor, and
• Have their in-house vocational evaluator identify other jobs you can allegedly do within your restrictions and limitations.

How ERISA Works

The Employee Retirement Income Security Act (ERISA) is a law that establishes regulations for pension and health plans in the private sector to safeguard individuals enrolled in these plans. In terms when an employee submits a claim for disability benefits under an ERISA-regulated plan the plan administrator evaluates the claim. If the claim is denied the employee must follow the plans appeals process.

Should the internal appeal be unsuccessful the employee has the option to initiate a lawsuit in court. ERISA mandates that the decision-making process of these plans be unbiased and transparent outlining guidelines pertaining to timelines, disclosures and how appeals are handled. This structured process aims to protect employees’ entitlements to benefits while providing an approach, for resolving disputes.

Does this sound familiar? If so, you need help now

Many disability policies or plans are governed by a complicated federal statute known as the Employee Retirement Security Act (ERISA) which also has special rules that govern the claims and appeals process. ERISA law may apply to your disability insurance benefits even if your employer provided these benefits or you paid the premium.

Federal law is complicated and many lawyers, who claim they handle ERISA cases, get lost in the federal swamp. Did you know we regularly appear in ERISA cases at the Sam E. Gibbons Federal courthouse in downtown Tampa?

You may have purchased your coverage privately, through an independent insurance agent. The disability claims process is no less difficult, filled with traps and mines that can blow up your claim before you even get started. A Tampa ERISA Disability Lawyer can help direct you through the claims process.

There are a few things to remember with Cavey Law and how we can assist you…

• It doesn’t matter whether you have an ERISA governed or Florida state law individual disability policy. We are here to help.
• It doesn’t matter if you are a lawyer, accountant, doctor, business owner or other professional. We are here to help.
• It doesn’t matter about the nature of your disabling medical condition(s). We are here to help.

Free Consultation With Experienced Tampa ERISA Disability Lawyer

With over 25 years of ERISA experience, we want to help you today! Contact us at TAMPA NUMBER to request your free no no-obligation consultation at our office located at 2901 W Busch Blvd #105 Tampa, FL to learn more about your rights to your Florida ERISA or individual disability insurance rights. ERISA cases can be complex and challenging, requiring in-depth knowledge of federal laws and procedures. A Tampa ERISA Disability Lawyer can provide you with the expertise and support necessary to navigate these complexities.