Friday, March 20, 2015

Denied Employer ERISA Benefits For Employees

Car Accident Medical Care and Daily Living Expenses add up quickly when benefits are denied. 

Seattle (ESTRA) - Every morning when getting ready for work, most individuals do not imagine getting into a life changing car accident.  It happens.  Most people take notice when it happens to them or someone they love.  No worries, you’ve been paying insurance benefits through Self-Insured Employer Benefits Program. You are protected, right?  Maybe not.  Lets talk about the chances you are taking when depending on insurance companies to protect interest, which in this case means your financial life.  Most accident victims do not have backup plans after unexpected injury.

Did you know most fiduciary insurance programs have a single priority of interest and loyalty which is to their investors.  This is not told to policyholders typically.  In fact the bottom line for most of these corporations means discouraging insureds, actions of delays, denials, or termination of policyholder benefits in order to pay out yearly dividends, create new investments, and continued effort to thrive in today’s economy.  If this was not done at expense of policyholders, efforts would be commended. Yet, in too many cases, in my opinion, Policyholders don’t receive their fair due.

Where do you see statistics about the number of policyholders who open up claims with insurance companies?  Are most claims paid? Are policyholders experiencing low balled offers? Or not paid at all?  How many insured face surveillance, harassment, intimidation?  And with this type of inappropriate, unfair actions come financial losses due to unpaid bills, missed opportunities for a stronger, better, recovery for people injured in car accidents.  

How much time will be spent dealing with concerns other than recovery for injured?  And worst of all what happens with a disability and job loss?  Will benefits be there for you?  Will employer or insurance company draw the line on how much willing to pay out for claim?  How much do you have saved?  Will it be enough through this transition, especially if it takes years?

As you can see, the number of questions is endless, even when looking at needs of a single individual.  We know that it takes money in this world to survive.  Will this be a time where more would have been saved?  For support, will you have to hire an attorney?  And if you do, can they really protect against multi-billion dollar companies who could stall court trial for years, not to mention amount of paperwork they can continually place upon legal council, versus their multiple team of lawyers. On top of this,  attorney-client privileges no longer has privacy it once did.  Attorneys have reported phones being subject to wiring tapping.  

Therefore what is a policyholder to do?  Just thinking about how ugly this process can turn, make sick or injured people want to walk away from hassles. But isn’t this what insurance carriers really want?   They want you to give up when it gets tough.  I mean, what have you got to fight back with?  Personally, I would say a lot more than you realize.  Your vote.  Yes, the single vote carried around in back pocket.  It’s the one thing that determines destiny of this country and insured civil rights legislation.  Why do you think the goal of a few is to discourage the many from using their vote?  It’s your power. How often do you give it away?  How many times have you ignored its value?  Wall Street gets most of it every month when paying bills or when only 33% of registered votes make it to the polls.

Insured Civil Rights Legislation passed by Congress could change outcomes for the lives of millions of Americans by making insurance companies and employers to play by rules that are fair and equitable to policyholders.  There is more than enough money left to fairly pay out dividends to their investors. 

An independent body not associated with insurance carriers, lobbyist, employers, or those funded by them in any way, such as those they use to perform Independent Medical Exams, known as IME, but are anything but fair to most injured. This would end payments to policyholders for first few years of a claim if that much, or deny carriers the ability to delay or terminate claims only because its in investors best interest.  The key to remember is insurance carriers or employers are able to use their billions against individuals who do not have a single paycheck tucked away for hard times, therefore the process starts off as unfair playing field. 


ERISA Employee Benefit from Employers

Application information for benefits is used to disqualify claims. Be sure to stick with the facts only.

Just because a insurance carrier starts paying out on claim doesn't mean it will continue.  Many employees have lost their benefits after two years.  

Some employers will use surveillance in hopes of eliminating a claim. If notice people following you, make sure to document their behaviors and intimidation practices.  

There is also room for more Insured Civil Right Advocates to help improve the conditions of people injured in car accidents.  Let me know if you are interested #CarAccidentAdvocates.



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ESTRA Seattle Car Accident Advocate

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"Be Car Accident Ready." - ESTRA Seattle This means when the unexpected occurs, you know what to do and where to find support and answers. Where is this?