ERISA law ensures plan members receive a summary description of benefits, have appeal rights, and can file a suit for unpaid claims. Under ERISA, a benefit plan administrator must give you a copy of your benefit plan within 30 days of you delivering a written request for the document.A panel of experienced professionals outlining challenges to denial of outofnetwork payments based on feeforgiveness provisions. ERISA is a sweeping federal law that overrides most state laws because of something called preemption. (iii) Coverage provided outside the United States. Service (PHS) Act: 1. If you see an out-of network provider, you may be responsible for out-of-pocket costs that are considered above the "reasonable and customary" fees.