Is Your Employer-Sponsored Insurance Failing You?

Understanding ERISA Claims and Your Rights

If your long-term disability, life insurance, or pension benefits have been denied under an employer-sponsored plan, you're likely dealing with a complex legal structure called ERISA, the Employee Retirement Income Security Act of 1974. While ERISA was designed to protect employee benefits, in practice, it often favors insurance companies, granting them broad discretion to deny claims and making it challenging for individuals to challenge unfair decisions without legal assistance. 

At DL Law Group, we understand just how overwhelming this process can be, and we’re here to help level the playing field. 

Why ERISA Claims Are Especially Challenging 

Filing an ERISA claim differs from filing a regular insurance claim. ERISA claims are governed by federal law, not state law, and are subject to several strict procedural hurdles and legal limitations. If you’re unfamiliar with the system, even minor errors or missed deadlines can jeopardize your entire claim. 

The truth is, ERISA gives insurance companies significant power to control the process. They often exploit these rules to deny legitimate claims, knowing that most claimants won't have the resources or knowledge to fight back. 

When you work with DL Law Group, you gain access to decades of combined experience in federal ERISA litigation, including appeals and lawsuits against major insurers. 

What Makes ERISA So Unfair? 

Many claimants are shocked to learn just how one-sided ERISA law can be. Here are just a few ways it limits your rights: 

• No jury trial: Only a federal judge decides your case. 
• No punitive damages: Insurers face no real financial penalty for wrongful denials. 
• Limited evidence: You may not be allowed to submit new evidence once the administrative record is closed. 
• Administrative exhaustion required: You must first appeal through the insurer’s internal process before you can sue. 
• Strict deadlines: Missing even one deadline can permanently end your right to appeal or litigate. 

This means the clock is always ticking, and the sooner you contact an experienced San Francisco ERISA attorney at DL Law Group, the better we can protect your rights. 

How DL Law Group Fights Back 

ERISA claimants deserve fair treatment, and our mission is to hold insurance companies accountable for their actions. Our team handles all aspects of ERISA-related claims, including: 

• Initial benefit applications: To build a strong record from the beginning. 
• Appeals of denied claims: Including drafting persuasive administrative appeals supported by medical and vocational evidence. 
• Termination of benefits: Challenging insurers who cut off previously approved benefits. 
• Federal litigation: Taking your case to court if your appeal is denied. 

We serve clients across the Bay Area and beyond, including San Jose, Daly City, Oakland, and Berkeley. You do not need to live in San Francisco to work with us; we’re equipped to represent clients throughout California in both federal and state courts. 

Common ERISA Claims We Handle 

• Long-Term Disability (LTD) benefit denials and terminations 
• Short-Term Disability (STD) disputes 
• Employer-provided Life Insurance claim denials 
• Pension and Retirement Plan Disputes 
• Health Insurance claims improperly denied under employer-sponsored plans 

Don’t Be Misled by Your Insurance Company 

It’s common for insurers to claim your case is governed by ERISA, often to intimidate or discourage you. But not every employer-sponsored plan falls under ERISA. There are exceptions, and you may have more rights than your insurer wants you to believe. 

Let us evaluate your situation to determine the actual legal protections you have. Our team can quickly assess whether your case is subject to ERISA, and if so, how to maximize your chances of success within its narrow framework. 

Your Rights Matter: Let Us Protect Them 

If you’re facing an ERISA denial, don’t give up hope. With the proper legal representation, you can fight back and win. At DL Law Group, we have a strong history of helping employees recover the benefits they rightfully earned through hard work and dedication. 

We represent ERISA clients on a contingency fee basis, which means you don’t pay anything unless we recover compensation on your behalf. 

Contact us today at 415-678-5050 or complete our online form to schedule your complimentary consultation. We’ll review your claim, explain your legal options, and help you take the next step toward justice.