Benefits Denials FAQs
Appealing denied disability, pension, and life-insurance claims under ERISA.
Last updated 2026-06-02. These answers are general information, not legal advice. Your situation depends on specific facts — for guidance about your circumstances, request a free review or consult a licensed attorney.
Yes. ERISA gives you the right to appeal a denied benefits claim, but the deadlines are strict and the evidence you submit on appeal matters enormously. It's important to act quickly.
Plans commonly allow 180 days from the denial to file an internal appeal — but check your denial letter, because deadlines vary and missing one can end your claim.
In many ERISA cases, a court later reviews only the evidence that was in your administrative appeal record. Building a strong appeal — with the right medical and vocational evidence — is critical to preserving your options.
Long-term and short-term disability, pension benefits, life insurance, and certain severance benefits provided through an employer plan are commonly governed by ERISA.
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These answers are general information, not legal advice. Your situation depends on specific facts — for guidance about your circumstances, request a free review or consult a licensed attorney.
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