In addition to numerous types of insurance policies, we have special expertise dealing with group insurance policies that provide employee benefits, such as employee health or disability insurance. Many such insurance providers claim to be protected from insurance bad faith law suits under the federal legislation known as ERISA (Employee Retirement Income Security Act of 1974).
Unfortunately for consumers who have been abused by these companies, the ERISA regulations do protect them from most of the damages available through bad faith litigation, such as punitive damages. However, many policies are outside of ERISA regulation, and are subject to bad faith law suits. You should never trust insurers’ claims that they are shielded by ERISA.  Talk to an experienced Sacramento insurance claim lawyer first and find out if you have a valid case.
We insist on reviewing the full insurance policy and other critical documents to determine whether or not ERISA regulations apply. In many cases, this careful review of the policy shows that ERISA does not apply, allowing for a full bad faith lawsuit to be filed with claims for all types of damages. Even when ERISA does apply, the insurance company may be required to pay your attorney’s fees when we succeed in making them pay benefits.