{"id":14,"date":"2017-09-26T09:25:27","date_gmt":"2017-09-26T09:25:27","guid":{"rendered":"http:\/\/www.fosterfoster.com\/blog\/?p=14"},"modified":"2018-02-22T09:41:05","modified_gmt":"2018-02-22T09:41:05","slug":"how-erisa-helps-and-complicates-your-disability-claim","status":"publish","type":"post","link":"https:\/\/www.fosterfoster.com\/blog\/how-erisa-helps-and-complicates-your-disability-claim\/","title":{"rendered":"How ERISA helps — and complicates — your disability claim"},"content":{"rendered":"
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\u00a0If you are fortunate to have retirement benefits through your employer, you may be aware of the Employee Retirement Income Security Act of 1974. ERISA provides strict guidelines for private employers who offer such benefits to ensure that the trustees of retirement plans behave ethically with your money.<\/span><\/p>\n<\/header>\n

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What you may not know is that ERISA also regulates health and disability plans private employers provide. Because\u00a0ERISA is complex<\/a>\u00a0and rigidly regulated, you would benefit from understanding how the law protects your rights, especially if you have recently suffered a debilitating illness or injury.<\/p>\n

ERISA<\/strong>\u00a0protection<\/strong><\/p>\n

One of the main goals of ERISA is to ensure that workers like you understand the benefits your employer offers. In this way, the law protects you from an employer who decides to change your benefits without informing you, perhaps leaving you without the coverage you thought you had. Therefore, if your private employer offers disability insurance coverage, ERISA requires him or her to notify you of the following information:<\/p>\n