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Louisiana Long Term Disability with ERISA

Posted on : February 28, 2022
Louisiana Long Term Disability

Louisiana Long Term Disability

Just like in any other state, if you become disabled and can no longer work, you may be eligible for Louisiana long-term disability benefits. These benefits are provided by the Federal Employee Retirement Income Security Act (ERISA).

What Is The Federal Employment Retirement Income Security Act (ERISA)?

ERISA is a law that was designed to protect employees’ retirement and insurance benefits. ERISA sets minimum standards for the administration of employee benefit plans, and it gives employees the right to sue if they are denied benefits or experience other problems with their benefits plan.

Who Is Eligible For ERISA Benefits?

ERISA benefits are available to all employees who have a qualifying disability. To qualify for ERISA benefits, you must be unable to work due to your disability and you must have worked for an employer who offered a qualifying ERISA plan.

What Are The Qualifying Disabilities?

The disabilities that qualify for ERISA benefits vary from state to state. In Louisiana, the qualifying disabilities are generally the same as the ones listed in the Social Security Administration’s “Blue Book.” These disabilities include heart disease, stroke, cancer, and other serious illnesses.

How Do I Apply For ERISA Benefits?

To apply for ERISA benefits, you will need to submit an application to the plan administrator. The application will ask for information about your disability and your employment history. You will also need to provide evidence of your disability, such as medical records or a doctor’s letter.

What Happens After I Apply?

After you submit your application, the plan administrator will review it and decide if you are eligible for benefits. If you are eligible, the administrator will begin paying benefits to you. If you are not eligible, the administrator will notify you and explain why you were denied benefits.

Can I Appeal A Denial Of Benefits?

If you are denied benefits, you may be able to appeal the decision. To appeal, you will need to submit a request to the plan administrator. The administrator will then review your appeal and decide if you are eligible for a hearing. If you are not eligible for a hearing, the administrator will make a final decision on your appeal.

Get Help With Your Long-Term Disability Claim

Wanko Workers’ Comp can help guide you through the long-term disability process. Get a free consultation now.