Can’t Get Plan Documents From Your ERISA Plan Administrator? Call the EBSA!
It happens all the time: an employee asks their employer or ERISA plan administrator for copies of the plan documents for their employee benefit plans, and they are ignored. You need the plan docs to know what benefits are paid or what the conditions are to pay a certain benefit, so what do you do if the employer or administrator will not hand them over?
Start by sending the employer and the administrator a letter by certified mail and ask for the documents. If then do not send them to you within 30 days, send another letter certified mail.
If you still do not have the documents after a reasonable time goes by, try this: Call the U.S. Department of Labor Employee Benefits Security Administration. Their website has links to the addresses and telephone numbers for the EBSA Office in your area, or you can call toll free 1-866-444-3272 to speak with a benefits advisor. When you get someone on the phone, ask them if they can contact the companies for you and get the documents you are requesting.
The EBSA also has a great consumer assistance page. These are your tax dollars at work. Do not hesitate to call the EBSA and ask for help!
- How Consumers And Providers Can Report Abuses By Managed Mental Health Care Companies (forbes.com)
- What is ERISA and why should you care? (rapidcityjournal.com)
John Tucker is an ERISA attorney that represents consumers/employees against ERISA plans when group disability, life, and pension / 401k claims are denied. For a free consultation about your claim, call (866) 282-5260.