The experience of developing a disability can cost you more than just your emergency room bills and lost wages while you are out of work. When you are disabled from an injury or illness, you can have long-term costs associated with medical care and treatment, as well as lost earnings in the long-term when your ability to work is negatively impacted. Your claim will be filed through the insurance company, whose goal is not to approve all claims then pay as much as possible on them, but just the opposite.
The insurance companies also have teams of claim specialists scrutinizing your application, looking for ways to deny it. Having an attorney helping you as soon as possible after your diagnosis will ensure the insurance companies take you seriously and provide full compensation for your injuries as required under your benefits plan.
If you are having an issue with your disability claim from a private insurer, one of the experienced Bay Area ERISA attorneys from Roberts Disability Law, P.C. is here to answer any questions you might have. Read on to learn more about your rights under ERISA and how an attorney can help you make the most of your claim.
ERISA is the Employee Retirement Income Security Act of 1974, a federal law that establishes minimum standards for most voluntarily established retirement and health plans in the private industry that are meant to provide protection for individuals in these plans. ERISA claims to ensure that participants have transparency in terms of the information related to their plans. ERISA also established a grievance and appeals process for participants who receive denials of benefits or other obstacles. This is not an easy process, and in these situations, ERISA tends to favor insurance companies instead of the insured.
If you have a disability and have coverage from a private disability insurance plan, you are entitled to benefits if you cannot work. Insurance companies, however, operate for profit and will deny claims improperly at times just to gain more time to settle. Accepting a settlement offer might seem attractive after you lose the ability to work, as it ends the back-and-forth and lets you get on with your life, but can leave you with financial struggles later on. Never accept anything without the guidance of a lawyer.
Your attorney steps into your shoes and handles all negotiations and communications with the insurance company so that you can focus on recovering while we focus on making the most of your compensation and ensuring that you receive the full benefits you are entitled to.
Having an attorney by your side as soon as possible after receiving medical care for your disability will help you make the most of your compensation, and we at Roberts Disability Law, P.C. are here to help.
To discuss options on your case and make the most of your claim, reach out and connect with Roberts Disability Law, P.C. to schedule a consultation to discuss how we can help today.
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