Filing an Age Discrimination Claim: Step-by-Step Process
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Facing age discrimination in the workplace is both professionally challenging and emotionally taxing. When you’ve experienced discrimination because of your age, understanding the proper procedures for seeking justice becomes essential. The path to addressing age discrimination involves specific steps, strict deadlines, and strategic decisions that can significantly impact your outcome.

At Nisar Law Group, we guide clients through the complex process of filing and pursuing age discrimination claims. This article outlines the step-by-step procedure for addressing age discrimination, from initial internal reporting to administrative complaints and potential litigation. By understanding this process, you can protect your rights effectively and make informed decisions at each critical juncture.

Disclaimer: This article provides general information for informational purposes only and should not be considered a substitute for legal advice. It is essential to consult with an experienced employment lawyer at our law firm to discuss the specific facts of your case and understand your legal rights and options. This information does not create an attorney-client relationship.

Step 1: Recognize Potential Age Discrimination

Before initiating a formal complaint, it’s important to identify whether what you’ve experienced may constitute legally actionable age discrimination. Age discrimination occurs when an employer treats you less favorably because of your age (40 or older) regarding any term or condition of employment.

Common manifestations of age discrimination include:

  • Being passed over for promotion in favor of less qualified younger workers
  • Receiving negative performance reviews despite strong performance
  • Being excluded from opportunities, training, or assignments offered to younger colleagues
  • Experiencing age-related comments, jokes, or stereotyping
  • Being selected for layoff while younger employees with similar positions are retained
  • Facing pressure to retire or accept an early retirement package
  • Being denied hire despite qualifications, with the position going to a younger candidate

For age discrimination to be legally actionable, you generally need to be 40 or older, experiencing adverse treatment because of your age, and employed by (or applying to) an organization covered by applicable laws. Federal protections under the Age Discrimination in Employment Act (ADEA) apply to employers with 20 or more employees, while many state laws cover smaller employers.

Step 2: Document the Discrimination

Documentation creates the foundation for any successful age discrimination claim. Begin collecting and preserving evidence as soon as you suspect discrimination. Thorough documentation should include:

Performance Records: Gather copies of performance evaluations, commendations, achievements, sales figures, or other metrics demonstrating your work quality. These establish your qualifications and counter potential performance-based defenses.

Communication Records: Preserve emails, messages, memos, or letters containing age-related comments or documenting adverse actions. Forward workplace communications to a personal email account (if not prohibited by company policy) or take screenshots to ensure access after employment ends.

Timeline of Events: Create a detailed chronology documenting:

  • Specific incidents of potential discrimination with dates, times, and locations
  • Names of individuals involved and any witnesses present
  • Exact statements or actions that suggest age bias
  • Your responses to these incidents
  • Any changes in your treatment following complaints or milestone birthdays

Comparative Information: Document how similarly situated younger employees were treated differently, including:

  • Promotion decisions and opportunities offered
  • Performance evaluation standards and results
  • Disciplinary actions for similar conduct
  • Treatment during reorganizations or reductions in force
  • Assignment of desirable projects or responsibilities

Company Policies: Retain copies of relevant handbooks, policies, and procedures regarding:

  • Non-discrimination and equal employment opportunity
  • Performance evaluation processes
  • Discipline and termination procedures
  • Internal complaint mechanisms
  • Layoff or reduction in force criteria

Maintain this documentation outside the workplace in a secure location. The evidence you preserve now may become crucial months or even years later as your claim progresses through administrative and potentially legal channels.

Step 3: Report Internally (If Appropriate)

In many situations, reporting discrimination through your employer’s established channels represents an important initial step. Internal reporting:

  • Creates an official record that you identified and reported the discrimination
  • Gives the employer an opportunity to address and remedy the situation
  • May be required to preserve certain legal claims and defenses
  • Demonstrates that you followed proper procedures before escalating to external agencies

Follow your company’s established discrimination complaint procedure, typically outlined in the employee handbook or policies. This usually involves:

  1. Contacting human resources, a designated compliance officer, or management
  2. Providing a clear, factual account of the discriminatory treatment
  3. Specifically identifying age as the basis for the discrimination
  4. Requesting specific remedies or corrective action
  5. Following up in writing if the initial report was verbal

When making internal reports:

  • Be specific and factual: Focus on observable behaviors and statements rather than assumptions about motives. Explicitly connect the treatment to your age.
  • Maintain professionalism: Present your concerns calmly and clearly, focusing on the employment issues rather than personal conflicts.
  • Document your reporting: Keep copies of any written complaints you submit and take notes about verbal conversations, including dates, participants, and content discussed.
  • Follow up appropriately: If you don’t receive a response, follow up in writing to create a record of your continued concerns.

In some circumstances, internal reporting may not be appropriate, such as when:

  • The discrimination involves the owner or highest leadership of a small company
  • You’ve already been terminated
  • You reasonably fear serious retaliation
  • Previous complaints have been handled inappropriately

Consult with an employment attorney if you’re uncertain about whether internal reporting is appropriate in your situation.

Step 4: File an Administrative Charge

Before pursuing a federal age discrimination lawsuit, you must first file a charge with the Equal Employment Opportunity Commission (EEOC) or your state’s fair employment agency. This administrative filing is mandatory and subject to strict deadlines.

Understanding Filing Deadlines

For EEOC charges, you generally must file within:

  • 180 calendar days of the discriminatory act, or
  • 300 calendar days if a state or local agency enforces a law prohibiting age discrimination

These deadlines are strictly enforced, with very limited exceptions. Missing the filing deadline can permanently bar your right to pursue legal action, making timely filing essential.

The “discriminatory act” typically refers to when the adverse action (termination, demotion, etc.) occurred—not when you discovered it might be discriminatory. In cases involving ongoing discrimination or a series of related acts, determining the correct filing deadline can be complex. Consulting with an employment attorney helps ensure you meet applicable deadlines.

Selecting the Appropriate Agency

You can file your charge with either:

The EEOC: The federal agency enforcing the ADEA and other federal anti-discrimination laws. The EEOC has offices throughout the country and accepts charges in person, by mail, or through its online portal.

Your State’s Fair Employment Practice Agency (FEPA): Many states have their own agencies enforcing state anti-discrimination laws. These agencies often have work-sharing agreements with the EEOC, allowing a single filing to be cross-filed with both agencies.

If both federal and state laws apply to your situation, consider:

  • Which laws provide stronger protections or remedies
  • Where filing deadlines are approaching most quickly
  • Whether state agencies typically process claims more efficiently in your area
  • If state laws offer additional protections beyond federal law

An employment attorney can advise on the most strategic filing approach based on the specific circumstances of your case and the laws in your jurisdiction.

Preparing Your Charge

The administrative charge should concisely outline the key facts supporting your age discrimination claim. When preparing your charge:

Include essential information:

  • Your complete contact information
  • The employer’s name, address, and size (number of employees)
  • The dates of discriminatory actions
  • The basis of discrimination (age)
  • A brief description of what happened
  • An explanation of why you believe age was the motivation
  • Whether you’ve filed with any other agency

Focus on factual details: Provide specific dates, actions, and statements rather than general allegations or legal conclusions.

Identify similarly situated younger employees: When possible, include information about younger employees who received more favorable treatment.

Reference any direct evidence: Mention any explicit age-related comments or other direct evidence of discriminatory intent.

Request appropriate remedies: While the EEOC will investigate regardless, clearly stating your desired outcome helps shape potential settlement discussions.

The EEOC and state agencies typically provide forms for filing charges, with staff available to assist in the completion process. However, consulting with an attorney before filing helps ensure your charge effectively captures the strongest aspects of your claim.

The Investigation Process

After filing, the employer will be notified of your charge and the agency will begin an investigation. This process typically involves:

  1. The employer’s response: The employer submits a position statement addressing your allegations.

  2. Document requests: The agency may request documents from both parties.

  3. Interviews: Investigators may interview you, the employer representatives, and witnesses.

  4. Mediation option: Many agencies offer voluntary mediation programs as an alternative to investigation. These provide an opportunity for early resolution if both parties agree to participate.

  5. Agency determination: After investigation, the agency determines whether there is “reasonable cause” to believe discrimination occurred or issues a “no cause” finding.

The investigation timeline varies significantly based on agency workload and case complexity, typically ranging from several months to a year or more. During this period, maintain contact with the investigator, promptly respond to any requests for additional information, and keep your contact information current.

Health Insurance Considerations for Workers 40-65

The period between 40 and Medicare eligibility at 65 represents a critical window where health insurance considerations become increasingly important. Workers in this age range often face higher healthcare costs and more significant consequences from potential coverage disruptions.

Several important protections apply:

  • COBRA Continuation Coverage: The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows workers to continue their employer-sponsored health insurance for up to 18 months after job loss or reduction in hours. This continuation coverage, while typically expensive since the employee pays the full premium plus an administrative fee, provides crucial bridge coverage until securing new insurance.

  • HIPAA Protections: The Health Insurance Portability and Accountability Act (HIPAA) prohibits discrimination based on health status in group health plans. This prevents employers from excluding older workers from health coverage based on age-related health conditions or higher expected claims.

  • ACA Prohibitions on Age Rating in Group Plans: Under the Affordable Care Act, employer-sponsored health plans cannot charge older workers higher premiums based solely on age, protecting workers over 40 from bearing a disproportionate share of health insurance costs.

Health insurance access often becomes a significant consideration in employment decisions for workers over 40. Understanding your rights to continued coverage can provide important security when facing potential job transitions or early retirement decisions.

Step 5: Evaluate and Pursue Settlement Opportunities

Settlement possibilities exist throughout the administrative process, from initial filing through agency investigation. Considering settlement options involves evaluating:

The strength of your evidence: Stronger evidence of discrimination typically supports higher settlement values.

The extent of damages: Consider economic losses (wages, benefits), emotional distress, and career impact.

The employer’s litigation risk tolerance: Some employers strongly prefer avoiding the uncertainty, cost, and potential publicity of litigation.

Your personal preferences: Consider your appetite for a potentially lengthy legal process versus obtaining more immediate closure.

Tax implications: Different settlement structures have varying tax consequences that may significantly impact net recovery.

When evaluating settlement offers, consider not only monetary compensation but also:

  • Neutral or positive references
  • Confidentiality provisions
  • Extended benefits coverage
  • Outplacement assistance
  • Reinstatement or forward-looking relief
  • Non-monetary acknowledgments or policy changes

An experienced employment attorney can help assess settlement offers, negotiate improvements, and ensure any agreement properly protects your interests. This includes reviewing release language, non-disparagement provisions, and other terms that could impact your future employment opportunities.

Step 6: Receive the Right to Sue and Evaluate Litigation Options

If your case doesn’t resolve during the administrative phase, the investigation will conclude with either:

A “Cause” Finding: The agency determines there is reasonable cause to believe discrimination occurred and attempts conciliation between the parties. If conciliation fails, the agency may either litigate the case itself (rare in ADEA cases) or issue a right to sue notice.

A “No Cause” Finding: The agency concludes there is insufficient evidence to establish discrimination occurred. Despite this finding, you still receive a right to sue notice allowing you to pursue the matter in court if you choose.

The right to sue notice triggers a strict 90-day deadline to file a lawsuit in federal court. Missing this deadline generally bars you from pursuing claims under federal law, making prompt consultation with an attorney essential upon receiving this notice.

When evaluating litigation options, consider:

Case strength: Assess the quality of evidence, witness availability and credibility, and potential defenses the employer might raise.

Potential damages: Under the ADEA, successful plaintiffs may recover:

  • Back pay (lost wages and benefits)
  • Front pay (future compensation when reinstatement isn’t feasible)
  • Liquidated damages (equal to back pay) in cases of willful violations
  • Attorneys’ fees and costs

Unlike other discrimination laws, the ADEA doesn’t allow recovery for emotional distress damages or punitive damages under federal law, though some state laws may permit these additional remedies.

Litigation timeline: Age discrimination lawsuits typically take 1-3 years from filing to resolution, requiring substantial commitment throughout the process.

Privacy concerns: Court proceedings become public record, potentially exposing sensitive workplace issues.

Alternative forums: In some cases, state court may provide advantages over federal court, including potentially more favorable laws, procedures, or local jury pools.

An employment attorney can help evaluate these factors and develop the most effective litigation strategy based on your specific situation, preferences, and goals.

Step 7: Prepare for and Participate in Litigation

If you decide to pursue litigation, active participation throughout the process helps maximize your chances of success.

The Discovery Phase

After filing the lawsuit, both sides engage in “discovery”—the formal exchange of information and evidence. Your involvement during this phase includes:

Responding to written discovery: Answering written questions (interrogatories) and requests for documents from the employer’s attorneys. These responses must be complete, accurate, and provided under oath.

Deposition testimony: Giving sworn testimony before trial, answering questions from the employer’s attorney with your attorney present. This critical testimony may be used at trial and must be thoroughly prepared for.

Document production: Providing relevant documents, electronic communications, and other evidence to support your claims. This may include personal emails, text messages, or social media content related to your employment.

Expert consultations: In some cases, working with expert witnesses who provide specialized knowledge about damages, industry practices, or statistical evidence of discrimination.

Thorough preparation for each discovery element is essential. Your attorney will guide you through these processes, helping you present information accurately and effectively while protecting privileged or irrelevant personal information.

Settlement Negotiations and Mediation

Settlement discussions continue throughout litigation, often becoming more focused as both sides gain information through discovery. Many courts require mediation before trial, providing a structured opportunity for resolution with a neutral third party facilitating discussions.

Effective participation in settlement negotiations and mediation involves:

  • Realistically assessing case strengths and weaknesses
  • Understanding the range of possible outcomes at trial
  • Considering the non-financial costs of continued litigation
  • Being prepared to make difficult decisions about acceptable resolution terms

While your attorney will provide guidance on settlement value and negotiation strategy, the ultimate decision to settle remains yours at every stage.

Trial Preparation and Participation

If the case proceeds to trial, your participation becomes even more intensive:

  • Working closely with your attorney to develop trial themes and narrative
  • Preparing for direct examination and cross-examination
  • Reviewing and organizing exhibits and evidence
  • Identifying and preparing witnesses
  • Participating in mock questioning or trial simulations
  • Attending the trial throughout its duration

The trial itself typically lasts several days to a week, though complex cases may extend longer. Throughout trial, maintaining composure, speaking truthfully, and presenting yourself professionally significantly impacts how your testimony is received by the judge and jury.

Step 8: Post-Resolution Considerations

Regardless of how your case resolves—whether through settlement, trial verdict, or agency action—several important considerations follow resolution:

Implementing settlement terms: Ensure all settlement provisions are properly executed, including payment schedules, reference terms, or non-disparagement agreements.

Tax treatment: Consult with a tax professional about proper reporting of any recovery. Different components of settlements or judgments (back pay, emotional distress, penalties, attorneys’ fees) may receive different tax treatment.

Confidentiality obligations: Understand and comply with any confidentiality provisions in settlement agreements, which often restrict discussing the terms or even the existence of the settlement.

Reference arrangements: Follow agreed procedures for future employment references, including designated contact persons or approved reference content.

Appeal considerations: If your case went to trial, either party might appeal an unfavorable verdict, potentially extending the process by months or years.

Career transition planning: Develop a strategy for moving forward professionally, addressing employment gaps, and responding appropriately to questions about previous employment during interviews.

Conclusion: Strategic Advocacy Throughout the Process

Addressing age discrimination requires navigating multiple procedural stages, each with its own requirements, strategic considerations, and deadlines. Throughout this process, the decisions you make—from how you document initial concerns to whether you accept particular settlement terms—significantly impact your potential outcomes.

While this guide provides a roadmap of the process, every age discrimination case presents unique circumstances that benefit from individualized legal guidance. Working with an experienced employment attorney helps ensure you meet critical deadlines, present your strongest case at each stage, and make informed decisions aligned with your personal and professional goals.

If you believe you’ve experienced age discrimination, we encourage you to contact us for a confidential consultation. At Nisar Law Group, we’re committed to helping employees understand their rights and options while providing strategic advocacy throughout the age discrimination claim process.

Related Resources

At Nisar Law Group, P.C., our New York lawyers are prepared to help hold your employer accountable for mistreatment directed at you. Please call us at or contact us online to discuss your case.

Written by Mahir S. Nisar

Mahir S. Nisar is the Principal at the Nisar Law Group, P.C., a boutique employment litigation firm dedicated to representing employees who have experienced discrimination within the workplace. Mr. Nisar has developed a stellar reputation for effectively advocating for his clients through his many years of practice as a civil litigator. Mr. Nisar’s passion in helping people overcome adversity in life and in their livelihood led him to train himself as a life coach with the Institute of Life Coach Training (ILCT). He routinely provides life coaching and executive coaching services to his existing clients as they collectively navigate the challenges of the legal process.