Long Term Disability Claims for ALS

Receiving a diagnosis of Amyotrophic Lateral Sclerosis (ALS) is a life-altering event that brings profound uncertainty and emotional weight. As you navigate the physical progression of this neurodegenerative disease, dealing with muscle weakness, loss of coordination, and fatigue, the last thing you should have to fight is an insurance company. You expect your long-term disability benefits to be a guaranteed safety net. When that safety net fails, and you receive a denial letter, it can feel like a cruel injustice.

At Roberts Disability Law, P.C., we understand the unique urgency and gravity of your situation. Our firm was founded on a mission to fight for the underdog, inspired by personal experience with the struggles of disability. We see the person behind the claim, and we are dedicated to shouldering the legal burden so you can focus on what matters most: your health and your family.

Why Do Insurers Deny ALS Claims?

It may seem inconceivable that an insurance company would deny a claim for a progressive condition like ALS, yet it happens frequently. Insurers often look for specific technicalities to delay or deny payments. Common reasons for denial include:

• Lack of “Objective” Evidence: Even with a diagnosis, insurers may argue that your medical records do not provide sufficient “objective” proof of your current functional limitations, such as specific dexterity or mobility issues.
• Misinterpretation of Progression: Insurers may claim that while you have ALS, your condition has not progressed enough to prevent you from performing “sedentary” work, failing to account for severe fatigue or cognitive impacts.
• Surveillance and Mischaracterization: An insurer might use surveillance footage of you performing a simple task to argue that you are not disabled, ignoring the reality that energy levels fluctuate drastically.

Taking Action: Steps to Appeal Your Denial

A denial is not the end of the road, but it does require immediate and strategic action. The appeals process is complex, and mistakes can be costly.

1. Watch Your Deadlines: You typically have 180 days to file an appeal under ERISA laws. Missing this window can bar you from benefits permanently.
2. Request Your Claim File: You need to see exactly why the insurer denied you. We help you obtain and analyze this full administrative record.
3. Build a Fortress of Evidence: A simple letter from your doctor isn’t enough. You need comprehensive testing, vocational assessments, and detailed narratives that bridge the gap between your medical diagnosis and your inability to work.

How Roberts Disability Law, P.C. Can Help

We can help turn denials into approvals. Our team provides legal guidance tailored to the specific challenges of ALS claims.

Our Services Include:

• Building a Comprehensive Medical Case: We collaborate with your neurologists and specialists to ensure your file contains undeniable proof of your functional limitations.
• Handling All Communication: We take over all correspondence with the insurance company, protecting you from their tactics and reducing your stress.
• Strategic Appeal Preparation: We craft powerful legal arguments that dismantle the insurer’s reasons for denial.

Your Trusted Legal Partner

You do not have to navigate this difficult journey alone. Let Roberts Disability Law, P.C. be your advocate, fighting for the financial stability and peace of mind you deserve.

If your long-term disability claim for ALS has been denied, contact us today for a consultation.