An example of a bad-faith insurance claim is when your insurance provider wrongfully denies a claim you have made on your insurance policy (e.g. auto, life, disability, or other types of insurance. An example of an ERISA insurance claim is when your workplace insurance provider (a policy of insurance provided to you by your employer) denies a claim you have made on your insurance policy (e.g. disability, life, health, or other types of insurance). ERISA also covers other employer-based benefits such as pensions and 401ks.

Imagine you are in an automobile accident and are rendered unable to perform your job for a long duration of time. You are in effect disabled, and you make a claim to your employer-provided disability insurance provider which is summarily denied. At this point (or even when making the initial claim) you should consider speaking with one of our attorneys to discuss your rights under the law and the insurance policy, as well as whether to move forward with a challenge to that denial. Our attorneys are well versed in litigating bad faith and ERISA insurance claims and will help you to understand your next steps if this unfortunate situation ever arises.