What is the basis for their denial? You should have your case reviewed by an attorney familiar with ERISA the claims. You get contract damages, at best, and that wont include punitive damages.
The answers given are limited to the facts as given and presumed by the answer itself. Without seeing actual written documentation or having a conference to more fully explore the issues, this short answer has only limited application. Make sure to seek legal counsel and provide all documentation to get assistance in making informed legal choices. Bstein@dcfsz.com, 305 377 1505
ERISA limits your remedies. Punitive damages are not an included remedy.
If you'd like to discuss, please feel free to call. Jeff Gold Gold, Benes, LLP 1854 Bellmore Ave Bellmore, NY 11710 Telephone -516.512.6333 Email - Jgold@goldbenes.com
Unfortunately, ERISA limits the remedies available to participants. In your case, you would be limited to receiving past due benefits, interest and possibly your attorney's fees if you prevail in court. It is essential that you contact an employee benefits attorney familiar with the law as soon as possible, especially if you are still appealing the claim with insurance company. Best of luck in pursuing the benefits you deserve.