ERISA is the Employee Retirement Income Security Act is a federal act or law that covers all retirement, benefit and health plans and how employers must follow these plans to be in compliance. ERISA claims can be made if an employee is denied retirement, benefits, health or disability insurance for reasons that are in contrast with ERISA.

Life and insurance fraud claims may also be handled by a health and disability attorney. These claims are typically very involved and will require someone that is highly specialized in this very technical area. Often these cases are settled in alternative dispute resolution processes rather than a full court trial.

Few people actually want to receive health and disability benefits; most of us would rather be working. However, you have a right to seek these benefits if you feel you need them. If the government makes it difficult, don't be afraid consult with a legal specialist to see if they can help.