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What are the procedures to appeal a decision by an ERISA plan?

The first thing you must do is contact an attorney right away. The documents are very dense and hard to read. You have certain deadlines where you have to appeal decisions to the insurance company making those decisions, and it's important that you meet those deadlines. Otherwise you would have waived or never be entitled to coverage under those plans. You have to exhaust the internal administration appeals first before you could even file a lawsuit, so it's very important that you have an attorney guide you each step of the way.