Interpleader Lawyer

ERISA & Denied Employee Benefits Claims

If a life insurance claim is denied under an ERISA plan, the claimant must follow the procedural requirements for an appeal according to ERISA law. The standard of review for ERISA claims is either de novo or abuse of discretion, depending on whether the plan grants discretionary authority to the insurer or administrator. The standard of review can greatly affect the outcome of any litigation for insurance benefits, as it determines how much deference the court gives to the insurer’s decision.

An ERISA appeal of a denied life insurance claim is a written request to the insurer or plan administrator to reconsider their decision and provide the benefits that are owed to the beneficiary. The appeal must follow the procedural requirements and deadlines specified by ERISA law and the plan document. The appeal should include:

A copy of the denial letter and any other relevant correspondence from the insurer or plan administrator

A statement of why the denial was wrong and why the claim should be approved

Any evidence or documentation that supports the claim, such as medical records, death certificate, policy certificate, beneficiary designation form, etc.

Any legal arguments or authorities that support the claim, such as ERISA regulations, case law, etc.

Our top ERISA life insurance lawyers fight all claims and win.

Our Firm Wins Denied ERISA Claims

We win ERISA appeals and make sure you get your money quickly.

Our life insurance ERISA lawyers have resolved thousands of cases.

  • Denial based on not meeting the policy requirements, such as being actively employed or having a valid evidence of insurability form
  • Denial based on not paying the premium or applying for a waiver of premium when eligible
  • Denial based on not submitting a conversion application when changing from a group to an individual policy
  • Denial based on having a change in marital status that affects the beneficiary designation
  • Denial based on having a dependent who does not qualify for coverage under the plan
  • Denial based on violating the policy exclusions, such as suicide, fraud, or illegal activity
  • Denial based on an error made by the employer in enrolling or terminating the employee

Our denied ERISA life claim lawyers have won thousands of cases.


    $245,000 Contestability period ERISA claim won

    $525,000 ERISA beneficiary dispute won

    $330,000 Ex-spouse ERISA claim denial

    $212,000 Portability material misrepresentation won

    $142,000 Denial of ERISA life claim resolved

Our top life insurance ERISA denial lawyers fight tough cases and win.

ERISA Contingency Fee

Our top ERISA lawyers work on a you pay nothing unless we get you money basis.

Don’t trust your case to another firm, retain one that wins.

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