As you may know by now, getting the disability benefits you deserve under an employer-sponsored disability plan governed by the Employee Retirement Income Security Act (ERISA) is no easy task. It is common for many Colorado claims to result in denial.
Of course, you can appeal an ERISA denial, but there is still no guarantee of success. However, the tips below may improve your odds of successfully appealing the denial.
File on time
ERISA plans impose many time limits, including a firm deadline for appealing a decision. For best results, file your appeal as soon as possible, but first, ensure you have made a well-prepared case. You can find your appeal deadline in your plan documents or denial letter.
Gather relevant evidence
Your denial notice should state the reasons your claim failed. The good news is you can address these reasons in your appeal. For example, if the rejection stemmed from insufficient medical evidence, ask your doctors to help you gather more.
Write a persuasive letter
A concise yet well-written appeal letter backed by supporting evidence may increase your chances of winning an ERISA appeal. The letter could also help you present your case in a favorable light if the appeal fails and you end up in court.
Understand the complexities
ERISA claims and denial appeals come with many complications. For example, the laws governing claims are vast and overwhelmingly detailed for many. Unfortunately, not understanding how complex ERISA issues can be could harm your appeal.
Legal guidance may improve your understanding of the appeal process and help you explore your next steps in getting the disability benefits you are due.