ERISA: Right Of Appeal

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ERISA requires that you appeal within 60 days of a denial of a claim.
The insurance company then has 60 days to review the claim a second time (with an option for an additional 60 days if they need it).
The details on appealing, including deadlines, should be in the denial letter.
The appeal must also be handled by someone in a higher position than the person who originally denied the claim.
Although only one appeal is required by ERISA, many insurance companies will consider a second appeal. A second appeal should only be used when there is substantially important new material or when you want to enter information into the claim file before a suit is filed.