A long-term disability will have a lasting impact on the way in which you live your life and the way you can work to support yourself and your family. If you have disability insurance, you might take solace in the fact that you can seek benefits to replace the income you can no longer earn. However, seeking benefits and actually receiving them are two different things, and many people hit roadblocks during the long-term disability claim process.
You should never hesitate to learn how an experienced long-term disability attorney in San Francisco can assist with your claim. Discuss any concerns you have with the legal team at Roberts Disability Law, P.C. today.
If you have a long-term disability policy through your employer, you might assume that the insurer will be there when the unthinkable happens and you suffer a disabling medical condition. However, insurance companies increase profits by finding any way possible to deny claims – even valid ones. Often, claimants do not know their rights or procedures to appeal a denial, so they might not even try to do so.
The appeals process is also governed by deadlines and specific policies, with the law setting out strict requirements you must follow before having the potential of filing a lawsuit. The denial of your appeal can lead to ongoing delays in the receipt of your benefits, which can make moving on with your life and adjusting to your disability even more difficult than it already is. The entire claim and appeal process can go smoother with the right legal help from a long-term disability attorney.
When your initial claim has been denied, you might think that you can simply request that the insurer re-review your claim and have your decision overturned. Not only does this rarely happen, but a poorly conducted appeal can limit your options afterward in court. The evidence you are allowed to bring in court is limited to what you provided during the administrative appeal, so you want to make sure you provide the insurance company with all possible evidence to support your claim. You always want an experienced attorney handling this process.
At Roberts Disability Law, P.C., we focus on representing clients with ERISA-based claims. We understand how this federal law and its requirements apply to your claim, and the appeal process should your claim be denied. We can assist with the initial claim process, an appeal following a claim denial, or federal litigation should you exhaust all of your administrative remedies.
Collecting benefits on your long-term disability claim requires an understanding of the way that the law and procedure apply to the unique facts and circumstances of your situation. To make the most of your long-term disability claim, schedule a consultation with a San Francisco disability attorney from Roberts Disability Law, P.C. today. We know how ERISA disability insurance companies work, and we can fight for your rights.
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