Filing the initial claim:
Filing a long term disability claim is complex. The insurance companies assume every claimant will eventually be able to return to work. The claims are scrutinized and investigated very carefully.
A claim requires coordination between your physicians, employer, accountant, and past co-workers. It is in your best interest to work with an attorney who has filed thousands of claims before you even notify the insurance company that you plan to make a claim.
Initial claims are often denied.
Long Term Disability claims are governed by ERISA (The Employee Retirement Income Security Act) regulations. The regulations require the insurance company to have a procedure for appeal.
Your disability plan will state whether you need to file one or two appeals before you can file a lawsuit. ERISA has very strict guidelines and deadlines for disabled claimants seeking disability insurance benefits under their group policies. If sufficient information is not submitted within these timelines, a claimant may be forever barred from introducing the documentation to prove their disability.
Given the complexity of the legal issues involved and the tendency of insurance companies to vigorously defend claim denials, evaluation of any potential legal claim on behalf of an insured should be handled by a law firm experienced in ERISA disability insurance claims.
We are with you every step of the way.
If you are disabled, you have to deal with doctors, physical therapists, your family’s welfare, and learning to live with your disability.
Having knowledgeable and experienced attorneys on your side can make your life less stressful and ensure that you receive the benefits you deserve.