ERISA also sets up a series of administrative procedures and standards of review that mitigates the insured's ability to file a lawsuit. In fact, the ERISA internal grievance process need not be provided in the insurance contract.Rather, ERISA requires only "adequate notice" of a claim denial. Where do I file my application and from what date do my benefits start? It does not apply to plans established solely to meet state workers' compensation, unemployment compensation, or disability insurance laws. In a letter to Congress, CareFirst emphasized the importance of enabling employers to provide affordable, customized health insurance coverage to employees. As discussed in more detail below, ERISA is federal law.