ERISA

ERISA - Ensure You Have the Coverage When You Need It Most

Small businesses frequently maintain retirement and profit-sharing plans for their employees. Critical is the maintenance of “tax-qualified” status, which determines whether contributions to the program are taxable now or, preferably, later upon retirement or separation from service. The tax qualification rules are incredibly complex, and The Law Office of Edward T. Perry can counsel small businesses and plan administrators on compliance with the law. Our firm has helped many clients throughout Walnut Creek, CA, and the surrounding areas navigate the complexities of ERISA matters. Call my office at 925-472-6800, and I will get to work with you to appeal denials of benefits and obtain the coverage you deserve.

Helping Employees Obtain the Benefits They Deserve

The Employee Retirement Income Security Act of 1974, called ERISA, is a federal law regarding employees’ rights to employment benefits, such as disability, health, and life insurance. Edward T. Perry fights for your rights to employer-provided benefits covered by ERISA. Since the founding of my firm, I’ve used my experience and knowledge to aggressively represent individuals in obtaining the benefits they need and deserve.

What Does ERISA Cover?

Many employer-provided benefits are covered by ERISA, including:

Retirement Plans

(401Ks, for example)

Accidental Death & Dismemberment Insurance

Long-term disability Insurance

Short-term Disability Insurance

Health Insurance

Dental Insurance

Life Insurance

ERISA applies to private employers who offer benefits (or plans) but doesn’t require employers to provide them. It also doesn’t apply to privately purchased insurance coverage.

Does ERISA Apply to My Case or Not?

I assist clients in determining whether ERISA is applicable and if they may have a claim against their employer or insurance company. Four questions help me decide when ERISA applies to a specific case:

  • Who pays the premiums? If the employer pays all or some of the premium, it’s likely covered by ERISA.
  • Who is the contact? If your contact person is the “plan administrator,” this is probably ERISA covered.
  • For whom do you work? ERISA probably covers private companies, but government entities and religious institutions are not.
  • What kind of insurance is involved? If it’s employer-paid insurance, it’s likely covered by ERISA — but other types, like homeowners insurance, are not covered.

Insurance companies are in business to make money — so plan administrators often deny initial claims. No matter what obstacle has been placed in your way, rest assured that I strive diligently to help you overcome it and work tenaciously to attain the best possible result in your ERISA claim.

We’re here to help! Simply call 925-472-6800 to schedule a consultation to discuss your requirements.

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