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Essex Richards ERISA Litigation Team Earns National Recognition

U.S. News & World Report and Best Lawyers have named Essex Richards to their 2021 list of “Best Law Firms” in America. The firm received a national ranking and metropolitan rankings in several practice areas. For the fifth year in a row, Essex Richards earned a national ranking …

Essex Richards Law firm attorneys North Carolina ERISA Attorney

Essex Richards ERISA Litigation Team Earns National Recognition

U.S. News & World Report and Best Lawyers have named Essex Richards to their 2020 list of “Best Law Firms” in America. The firm received a national ranking and metropolitan rankings in several practice areas. For the fourth year in a row, Essex Richards earned a national ranking …

THE ERISA GRINCH

Who thinks it’s a good idea to write a Christmas-themed ERISA blog post? Why we do, that’s Who! In our practice, we deal with all manner and sort of insurance companies while advocating for our clients’ benefit entitlements under ERISA-governed group long-term disability (LTD) plans …

Common LTD Policy Exclusions

When you file a claim for long-term disability (“LTD”) insurance benefits, you naturally expect that the insurance company will comply, treat you fairly, and pay the benefits to which you are entitled. However, the vast majority of group (ERISA) LTD policies contain limitations and exclusions …

Reliance on Conflict

It seems like just about everyone these days is talking about conflicts of interest. The dems say the repubs are conflicted. The repubs say the dems are conflicted. Chaucer says everyone’s conflicted (“doctors & druggists wash each other’s hands”). A Canterbury Tales reference? Super hip, …

Financial Planning

What Is ERISA?

What Is ERISA? The Employee Retirement Income Security Act of 1974, commonly known by its acronym ERISA, is a federal law that applies to most private employers. ERISA protects plan participants and their beneficiaries by setting minimum standards for retirement, health, disability, and other welfare …

LTD ERISA disability insurance claim denial Essex Richards

What To Do If Your Disability Benefits Are Denied

You’ve worked hard all your life. Never in a million years did you think that you would be unable to continue working or support yourself. But you plan for the unexpected, so you obtained long-term disability (LTD) insurance, perhaps through your employer or maybe you …

ERISA health insurance claim denial Essex Richards

Those Health Insurance Claim Denial Blues

We see it all the time: We think we have good health insurance, but then, right when we need it the most, the insurance company denies coverage for a needed medical procedure.  Often, insurance coverage is denied for emerging treatment protocols that are recommended by …

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New ERISA Disability Claims Regulations Take Effect – Part 3

In the final installment of our three-part series on ERISA’s new disability claim-processing procedures, we will wrap up our discussion by providing a run-down of the remaining changes to the regulations. Independence and impartiality. The Final Rule provides that disability plans “must ensure that all …