Unfortunately, Congress did not offer this protection to individuals injured by their group disability insurance company. The insurance company can wrongly deny your claim; make you retain and pay a lawyer and if they lose in court, their only obligation is to pay you what they should have paid you if they didn’t wrongly deny your claim. That’s outrageous!
My best advice is to do your homework. Know the reputation of the insurance company before you purchase your disability policy. If you already purchased a policy, become familiar with the terms before you file a claim. Get an experienced ERISA lawyer before filing your claim. They can help you understand what you need to do to establish entitlement to benefits under your policy and increase the likelihood of you getting paid without a denial.
