Did you know that, for the most part, benefits that you receive from work are governed by a Federal Statute known as the Employee Retirement Income Security Act of 1974 of ERISA.  Employee benefits, which could include life, health, retirement and disability benefits are governed by ERISA.Unfortunately, many garden variety lawyers don’t understand the difference between an ERISA claim and a State law breach of contract claim.  There’s a misconception among the public and lawyers that when you receive health, life or disability benefits through an employer payroll deduction, you have a contract with the Insurance Company.  If the Disability...

If you purchased your disability policy through your employer, that policy is most likely governed by the civil enforcement provisions of the Employer Retirement Income Security Act 1974 (ERISA), 29 USC §1132.In the case of Perry v. Metropolitan Life Ins.  Co., No.  4:16-CV-135 (CDL), 2016 WL 4536441 (M.D. GA.  August 30, 2016), Ms. Perry was employed by Synovus Financial Corporation where she was covered under a Long Term Disability policy issued by MetLife disability. MetLife paid her benefits and then denied her claim on the basis that she no longer met the standard of disability.  Her policy required that she submit...

[vc_row triangle_shape="no"][vc_column][vc_column_text]You may have purchased your disability policy through your employer and , if so, you need to understand the basics of an ERISA Plan. ERISA stands for the Employer Retirement Income Act.  The ERISA statute was enacted in 1974 as a result of the Jimmy Hoffa pension scandals.  ERISA was designed to provide and protect employee pensions and other employee benefits such as group health, disability and life insurance. An employer is not required to have any type of benefit plan.  It’s a voluntary act by the employer or sponsor.  A plan can be amended, changed or even terminated at any...

[vc_row triangle_shape="no"][vc_column][vc_column_text]Did you know that, for the most part, benefits that you receive from work are governed by a Federal Statute known as the Employee Retirement Income Security Act of 1974 of ERISA.  Employee benefits, which could include life, health, retirement and disability benefits are governed by ERISA.Unfortunately, many garden variety lawyers don’t understand the difference between an ERISA claim and a State law breach of contract claim.  There’s a misconception among the public and lawyers that when you receive health, life or disability benefits through an employer payroll deduction, you have a contract with the Insurance Company.  If the...

We are a full service disability law firm specializing in Long Term Disability , ERISA, Social Security Disability, Individual Disability Claims , and Workers' Compensation Claims.  We want to help you get the disability benefits you deserve for your claim.  We offer a free consultation and free helpful guides to help educate you, the consumer with questions you may have.  Disability Law - It's Cavey Law - make the call 727-894-3188. 

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