Did you or a loved one apply for disability benefits, only to have your claim denied by an insurer? Sadly, this is a fate shared by many people in the San Francisco Bay Area. Whether you are seeking disability benefits under an ERISA plan or under an individual insurance policy, our team can help. At Roberts Disability Law, our experienced California long term disability attorneys are dedicated to helping you recover every penny that you are owed under the terms of your plan.
Our firm focuses on protecting the disability claims rights of workers in California. We have a deep understanding of ERISA and all other state and federal labor and insurance regulations. As such, our attorneys know exactly how to build the best possible case on your behalf. We have experience handling cases involving a wide variety of different medical conditions, including:
To get your full disability benefits without delay, you should ensure that your initial application is filed properly, without any defects. Indeed, prior to filing your claim, you should always review your official Summary Plan Description (SPD), which should provide you with comprehensive details regarding your benefits and the overall claims process. Specifically, your SPD should tell you:
Further, your SPD should also outline some of the information that you will need to provide to support your claim. Ultimately, all successful long term disability claims are built on a foundation of strong supporting medical documentation and evidence.
Unfortunately, many long term disability claims are initially denied by the big insurance companies. If you receive a letter informing you that your benefits have been refused, you have a right to seek an appeal. Your denial letter is extremely important, as it should tell you exactly why your claim was denied. With this information, you will have an opportunity to correct the issue. Some common reasons why long term disability coverage is denied include:
At Roberts Disability Law, we have extensive experience helping our clients recover their full and fair disability benefits. Whether you are seeking benefits under an ERISA plan or an individual plan, we can help. From our main office in Alameda, we proudly serve employees throughout the Bay Area, including in Santa Rosa, Hayward, Concord and Sunnyvale.
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