Employees accept job offers for a competitive salary and employee benefits as part of the total compensation package. When an employee does not obtain promised benefits, an insurer denies a health or disability claim, or someone mismanages a retirement account, an experienced employee benefits attorney can help.
At Castronovo & McKinney, LLC, we represent New Jersey employees in benefit disputes related to health care, disability, life insurance policies, pensions, and 401K plans. Well-versed in the applicable laws governing benefits – ERISA, COBRA, HIPAA – and other federal and state regulations, we have a demonstrated track record of winning substantial claim settlements. Contact our office today for a consultation.
Why You Need a New Jersey Employee Benefits Attorney
Many employers offer health, life, and disability insurance benefits governed by the Employee Retirement and Income Security Act (ERISA). Unfortunately, when employees submit claims to insurers, they are often denied the benefits they are entitled to and for which they have paid premiums. Our employee benefits attorneys can help you appeal the denial of these benefits through an administrative or court proceeding.
In addition, employers offer other benefits to employees that are not subject to regulations like ERISA. Our attorneys can help you recover money damages through a civil lawsuit if your employer did not provide a promised benefit. We know how to hold employers accountable and will fight to protect your rights.
How Our Firm Can Help
At Castronovo & McKinney, we will work to recover the benefits promised to you and ensure that your retirement account is secure. Our legal team can assist with the following employee benefits.
Under the Patient Protection and Affordable Care Act (ACA), all employers with 50 or more full-time employees must offer health insurance benefits to their workers. According to a recent Bureau of Labor Statistics survey, employers pay about 78 percent of medical care premiums for single coverage plans and 66 percent for family coverage plans.
While insurance carriers are required to honor claims, their reimbursement rates to healthcare providers leave policyholders footing the bill. Insurers also attempt to deny claims to protect their profits. Our attorneys can help you if your health insurer has improperly denied a claim for medical benefits or your employer has not provided you with health insurance as required.
Short-term and Long-term Disability Insurance
New Jersey is one of only 5 states that provide compulsory temporary disability insurance to workers. Both employees and employers contribute to the program through taxes. Eligible employees receive up to two-thirds of their average weekly wage up to a maximum payable amount.
Some employees can also purchase long-term disability insurance to protect themselves if they suffer a catastrophic illness or injury. ERISA governs employer-provided disability plans; however, insurers frequently deny employees the benefits to which they are entitled. Our employee benefits attorneys can assist with obtaining your short-term and long-term disability insurance benefits by filing an ERISA appeal.
Pension Plans/Retirement Accounts
A pension plan is a type of retirement plan available to most public employees in New Jersey. Both state and local governments and their employees contribute to retirement benefits. The payments the employee receives at retirement depend on their salary and duration of service.
In addition, many private employers offer 401(k) accounts. These are “defined contribution” plans, in which employees contribute a fixed amount or a percentage of their paychecks to a retirement account. Employers often offer a matching contribution up to a certain threshold.
Unfortunately, employees frequently learn that financial companies mismanage their pension funds or retirement accounts. We can advise on your legal options and work to secure your retirement benefits.
Why Choose Us?
At Castronovo & McKinney, we protect the rights of employees by ensuring they receive the benefits promised to them. We know that employee benefits are essential in providing you and your family support and security. Our employee benefits attorneys can assist when:
- An insurer denies your health, life, or disability benefits claim
- Your employer fails to provide a promised employee benefit
- Your employer denies you medical leave under the New Jersey Family Leave Act
- Your retirement benefits suffer losses due to mismanagement
- Your employer is refusing to provide a disability accommodation
We know that fighting for the employee benefits to which you are entitled can be stressful. Our legal team will handle all the details, communicate with your employer and the insurance companies, file all legal paperwork promptly, represent you in arbitration and court proceedings and achieve the best possible outcome.
Contact Our Experienced New Jersey Employee Benefits Attorney
If you are involved in a dispute with your employer or an insurance company about your employee benefits, trust Castronovo & McKinney to protect your rights. Contact us today so we can start working on your claim.