When Can You File an ERISA Lawsuit?

ERISA controls many group life insurance plans. Among the many rights the law gives to plan members and participants is the right to bring a suit to recover plan benefits.[1] The question is: when can you file a lawsuit under ERISA?

ERISA does not provide a statute of limitations. Usually, the plan’s insurance policy has a provision which specifies when a suit can be brought.

ERISA petitioners whose ERISA life insurance claims have been denied must exhaust the mandatory administrative review process before bringing a court action for judicial review.


Five Major Groups Who Need Life Insurance Coverage

Today’s families are changing and so is their need for life insurance coverage. We see more and more female breadwinners, single mothers, stay-at-home dads and people who choose to have children later in life.

Life insurance is a great income replacement tool that will protect your dependents and loved ones in the future. Having proper life insurance is essential. Below is a list of five groups that probably need life insurance coverage the most.


4 Loopholes That Can Render Your Life Insurance Worthless

Having life insurance coverage is important, especially if you are the only source of income for your family. Knowing and understanding how life insurance works is essential in guarantying that your family’s claim will actually be paid after your death.

Many people do not realize that their life insurance may be of no use due to the many loopholes that can render a life insurance policy worthless.


Can Life Insurance Companies Access Your Genetic Test Results?

Today more and more people choose to have a genetic test done to see what risk of health implications they might have. Genetic testing shows, for example, that a certain individual is prone to Alzheimer’s disease, lung, skin or breast cancer.

Genetic testing results are confidential and may not be disclosed without proper authorization. The situation is not very clear when it comes to disclosing health information on an application for life insurance.

Must applicants for life insurance disclose their genetic testing results?


Has Your TSGLI Claim Been Delayed or Denied?

TSGLI is Servicemembers’ Group Life Insurance Injury Protection Program.

It provides coverage for traumatic injury to servicemembers who have SGLI (Servicemembers’ Group Life Insurance). It is an injury protection program that pays benefits to servicemembers who are severely injured/have traumatic injuries.

TSGLI offers a one-time payment to an injured servicemember if the injury is a qualified scheduled loss. Depending on the injury, TSGLI payments range from $25,000 to $100,000. Additional payments are available for hospitalizations, inability to perform activities of daily living (ADL), and coma.

There are many reasons why a TSGLI claim may be denied: ineligibility for SGLI and automatic ineligibility for TSGLI, disputes about the eligibility start date, improper injury classification, incorrect description of activities of daily living, etc.