Legal advice on Retirement benefits and ERISA

My ex-employer is listed as the Plan Administrator in my Long Term Disability policy, and the plan is self-funded, but they contract with an insurance company to administer claims. If I need to file a case in federal court, would I be suing the insurance company, the plan, or my ex-employer? Thanks!

I recently won an appeal of an adverse benefit determination, and my benefits have been reinstated, but I believe they are paying me incorrectly. According to the language in my Summary Plan Description, the insurance company is not providing the benefits that are clearly explained. Can I trust the language in the SPD, or can they say, “Oh, sorry , that doesn’t apply to YOU”? I’ve been furnished the same SPD at least six times, and no one has every notified me of changes or informed me that some benefits described may not apply to me. Also, can I file a lawsuit in federal court over benefit amounts if my claim hasn’t been denied? Thanks!

I just asked whether I could used California's revocable transfer on death deed to give my house to a charitable organization, suggesting that the answer depended on what "person" meant. Should have looked at the beginning of the Probate Code first: "“Person” means an individual, corporation, government or governmental subdivision or agency, business trust, estate, trust, partnership, limited liability company, association, or other entity. Sorry to bother you.

My brother died without a Will on March 19, 2021, in Tucson. He has an investment account through Merrill Edge valued at $17,000. He named an ex-girlfriend as beneficiary, and I would like to contest it. My brother was bipolar and an alcoholic, and made irrational decisions throughout his life. Do you provide unbundled services? I would be willing to file court documents and represent myself in court.

My spouse left his former employer a full month ago and has a position with a new company which also offers a 401-K. His former employer has had in his possession exactly 20 days the needed paperwork to release my spouse's 401-K monies. He is fully vested at 100%, we just need a signature and the capital group which sponsors the plan advised to contact the Dept. of Labor which we have twice to no avail. Are we looking at having to hire an employment atty.? We were also informed that his ex-employer has no more than 30 days to respond. As of today, which is 02-22-21 he only has 10 days left. We are like most people looking for a piece of sound advice, my husband worked very hard for this company and we want our entitled dividends. Thank you very much for your opinion.

I've been on leave from a department store since 8/4/2019. I received State disability for 12 months, the store never paid a dime. I appealed to the store several times along with letters and records from my doctors, still denied. Prudential has, since October 2020, asked to full out information, records, etc... and they denied me too. I have appealed and I'm waiting for a response. I have been told by other people that they will deny me until I have an attorney. I haven't received any form of income (including State disability) since August 2020. I'm living off of my savings. Not the way to go. Very stressful.

I have a long term disability claim that should be accepted. The supervisor admitted it should be accepted through email but denied the claim.

I started with my employer on 5/31/15. I went out on FMLA leave on 8/5/16. My leave was extended under the ADA, which I was approved for by my employer. As of today, 1/10/19, I am still on said leave. I had a dr appt today and upon arriving, they informed me my health insurance was showing as terminated. I called my insurance and they said my coverage was terminated effective 12/1/18. I had no idea this was coming and never received any information about COBRA benefits. Last I spoke to my employer, they were going to provide me paperwork for my doctor to fill out, which I never received. I contacted my employer and have no heard back. I’m trying to keep our contact through email, so I have a timeline of our conversations, whereas my employer prefers to speak on the phone, which is how they told me they would send me paperwork for my doctor to fill out. Can someone please tell me what is possibly going on? And shouldn’t I have received notice of the termination, as well as COBRA information? Thank you

I was ordered out of work 7/11/2017 due to herniated disk and a whole host of issues with spondylosis, cervical radiomyopothy to name a few, STD approved no issues, LTD a bit of run around but approved 1/18/2018 to 1/7/2020 on 12/27/18 I logged into my account portal as I was changing bank accounts and saw my claim was closed on 12/26/18, saying medical records requested 12/6/18, again claim closed 12/26/18. I never received any request for info, nor have they told me my claim was closed as of today 1/10/19 they just deposited my check for last month, that was for two weeks, and that was it. I am according to my doctors completely disabled without any guarantee of being able to preform any kind of job no matter how small it may be, I was unable to even type this question, what will I do when I don't have ppl close to me here to help w? Thank you