Time is of the essence – Do not delay filing your ERISA insurance claim. Here are some helpful tips.
Review the Insurance Policy. Make sure you have get a copy of the ERISA insurance policy and plan documents (ask for them in writing and read them). If you have questions about the policy or plan terms, ask the insurance company. Again, ask in writing.
Cooperate with the insurance company. Complete their forms. Do what they ask you to do.
Do everything in writing. If you can’t, then make sure to keep a log of who you talked to, (date, time, phone number), and what you discussed.
Ask questions about other benefits. Ask the insurance company if you are eligible for any other insurance benefits, such as pension, disability or life insurance. If so, ask what you need to do to file a claim for those benefits.
Ask what else is needed for your claim to be approved. Do this in writing and repeat it in every letter you send to the insurance company.