Have you been denied long-term disability benefits? ERISA is a broad federal law that established a set of standards for health, welfare, longterm disability, pension, and other kinds of insurance plans.Call our office at 6028050577 for your free initial consultation today. ERISA Benefits Cases in Phoenix. ERISA's definition of "fiduciary" basically encompasses three categories of responsibility or activities with respect to an employee benefit plan. A utilization review agent (URA), defined in ARS § 20-2501, determines the medical necessity and appropriateness of health care services. Ann-Martha Andrews is a shareholder in the Phoenix office of Ogletree Deakins. ERISA requires that every plan be summarized in lay terms in a summary plan description (SPD).