How does a long-term disability claim work?
ERISA long-term disability denials require a strict, evidence-heavy administrative appeal — typically within 180 days — before any lawsuit can proceed, and the appeal record is what a court will later review. A typical investigation reviews the plan's Form 5500 filings, fee disclosures, and the investment lineup over a multi-year window to identify deviations from prudent process.
What evidence matters?
Documentary evidence usually drives the case: meeting minutes of the plan committee, fee benchmarking studies, share-class analyses, and contemporaneous communications with recordkeepers and consultants. Participant testimony is rarely required outside of named-plaintiff depositions.
How long do I have to act?
ERISA limitations periods vary by claim — generally six years from the breach or three years from actual knowledge, with possible extensions for concealment. Waiting risks losing the claim entirely.
Frequently asked questions
Eligibility depends on your role in the plan, the conduct alleged, and the time period involved. A free review is the fastest way to find out.
Was your 401K plan named in a lawsuit?
We'll listen, ask a few questions, and tell you honestly whether your situation looks like a case. No pressure. No cost.
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A few quick questions — no legal or financial know-how needed. We'll give you an honest read on whether your situation is worth a closer look.
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