Long Term Disability Attorney California

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, P.C., 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.

California Disability Cases We Handle

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:

• Fibromyalgia
• Chronic fatigue;
• Pain disorders;
• Back and spinal issues;
• Repetitive trauma injuries (RTIs)
• Alzheimer’s;
• Loss of limb;
• Serious joint injuries
• Hearing or vision problems;
• Mental health disorders;
• Post traumatic stress disorder (PTSD); and
• Any other qualifying condition that might prevent you from working.

Understanding the Long Term Disability Claims Process

Filing a Claim

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:

• What disability benefits you can seek;
• How to file your initial application; and
• If necessary, how to appeal a claim denial.

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.

Filing an Appeal

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:

• Failure to seek medical treatment;
• Insufficient medical evidence;
• Inadequate connection between your condition and your ability to work;
• Lack of candor or contradicting statements by the applicant; and
• Mistakes by the insurance company.
  
  

Request a Free Review of Your Long Term Disability Claim

At Roberts Disability Law, P.C., 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.