Lawyers who handle ERISA cases always have to explain to their clients that in ERISA cases, the administrative process has to be completed before a lawsuit can be filed. This is illustrated in this 2019 opinion from the Southern District of Texas, Houston Division case styled, Lisa K. Bunner v. Dearborn National Life Insurance Company, et. al.
This case arises out of denial of long-term disability benefits to Lisa contained in her employee welfare benefit plan. This case is governed by the Employee Retirement Income Security Act of 1974 (ERISA).
The details of this case can be read in the opinion. What is relevant here is the Court stating / emphasizing the requirement that the administrative process be exhausted prior to filing a lawsuit.