Denver ERISA Lawyer

Colorado Long-term Disability Attorney

The firm handles claims and appeals against insurance companies and employee benefit plans, including claims for disability, accidental death, life insurance, and health care benefits.

The goal of the insurance company is to create an excuse to drop you. We never represent the insurance company.

Disability – Short Term and Long Term

ERISA stands for The Employee Retirement Income Security Act. The laws under ERISA only apply to private employers (non-government) that offer employer-sponsored insurance coverage to employees. ERISA does not require employers to offer plans; it only sets rules for benefits that an employer chooses to offer. ERISA laws do not apply to privately purchased, individual insurance policies or benefits.

If your insurance is privately purchased, your right to sue is more easily protected.

ERISA provides strict guidelines and deadlines for claimants seeking insurance benefits under their group policies. If sufficient information is not submitted within these timelines, a claimant may be forever barred from introducing the documentation to prove their disability, health care, or life insurance claim. You need to be careful.

We help clients evaluate lump sum policy buyouts for individuals that are currently being paid disability income benefits.

If you are about to transition from short term to long term disability, and the insurance company wants you to undergo a functional exam, BE CAREFUL. This is often the first step to stopping your benefits.

If you suffer:

injury to shoulders or knees
multiple sclerosis
serious mental health problems
AIDS
hepatitis
chronic fatigue syndrome
degenerative disc disease
arthritis
back or neck injuries
cancer
hearing or vision loss
Parkinson’s disease

contact our law firm to help you obtain and protect benefits. Benefits are unfairly denied all the time, but we can help. If you have a dispute over entitlement to disability, health or death insurance benefits we can help.

Persistence. Diligence. Experience. Knowledge. Attention to the goals of the client. Stutheit & Gartland, P.C.