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How does coverage from ERISA and private insurance differ?

On Behalf of | Dec 21, 2018 | Insurance Law |

Matters regarding insurance are always somewhat complex. This can be especially true depending on what coverage you’re dealing with. LePly Law Firm is here for you regardless of what your situation is. We will help you fight any claim denials.

Today, we will look at the difference between private insurance claims and claims governed by the Employee Retirement Income Security Act, also known as ERISA. Private insurance claims are generally handled similarly across the board. As a person pursuing damages, you will work with your insurance carrier to figure out compensation, the best way to tackle your case, and other related matters.

ERISA can be much more complicated. It’s possible for insurance companies to want to take advantage of this. They may act in a way that implies they think they can deny your claim without repercussion simply because you would have to jump through more hoops in order to contest the denial. Contesting a denial involves having to make an appeal and taking your case to a federal court judge. This is already harder than dealing with a state judge, and the rules that govern federal courts differ greatly from state courts as well. 

Dealing with matters related to insurance can be difficult no matter what you’re up against. That’s why it’s generally suggested that you have an experienced attorney fighting on your side. We invite you to speak with us at any time to learn more. We also provide a link to our web page on handling insurance disputes for further information.