The Employee Retirement Income Security Act (ERISA) was enacted to protect employees' rights to collect employee benefits, including pension benefits and employee benefits such as long-term disability, health insurance, life insurance and other benefits provided at work. One of the most important ERISA benefits is long-term disability (LTD) benefits, which can provide an income if you are injured or sick and unable to work. Insurance companies and ERISA administrators often wrongfully deny benefits to people who are disabled. Fighting to obtain ERISA LTD benefits requires a thorough understanding of a very complicated area of the law. For example, in ERISA LTD cases, most people don't know that the disabled person usually only has one chance to appeal, and if the appeal is denied, a court can only look at the evidence that was submitted to the insurance company. When a person becomes sick or injured, he or she has many things to worry about, and may not understand all of the complicated procedures in obtaining LTD benefits. Insurance companies and ERISA administrators know this, and often deny benefits to people who are disabled, and hope to use the complicated rules in their favor. People seeking LTD benefits need a highly skilled legal team on their side; ERISA claims can be successfully litigated if the ERISA disablity lawyer is knowledgeable of ERISA procedures.