Under the Employee Retirement Income Security Act of 1974 otherwise known as ERISA full and fair reviews are required. However most of the time what we see is that those full and fair reviews are being conducted by the company that is obligated to make the payments if you’re successful. As a result they have incentives to deny your claim.
Doesn't ERISA require my benefit plan conduct a full and fair review of my claim?
Playlist: ERISA Videos