Revise if possible or propose changes to make this act fair to the insured person.
Current Employee Retirement Income Security Act, (ERISA) disability section does not allow for punitive damages, most legal fees nor a jury to hear your federal court case when insurance companies have denied or stop disability insurance payments. Many times insurance companies close or deny claims devastating the insured person, because there is no down side for the insurance company. If they deny your appeal the worse that can happen is that a federal judge will order them to pay, but the judge can not award most legal fees or any punitive damages, if they determine the insurance company acted in bad faith. Also, the evidence rules and procedures are written to the advantage of the insurance companies.