Facing the denial of a long-term disability claim can be a devastating experience. You’ve already been dealing with the physical and emotional toll of a disabling condition. Adding financial uncertainty to the mix only heightens the stress and frustration. At Roberts Disability Law, P.C., we understand the overwhelming feeling of receiving that denial letter, and we want you to know you don’t have to face this challenge alone. Our team is committed to supporting the people of San Mateo in securing the benefits they rightfully deserve.

Why Are Long-Term Disability Claims Denied?

Long-term disability insurance offers a crucial safety net, ensuring financial support if a health condition prevents you from working. Unfortunately, insurance companies don’t always make it easy to access these benefits. Claims can be denied for a variety of reasons, including:

• Insufficient Medical Evidence: Insurance companies often argue that there isn’t enough proof of your condition’s severity or its impact on your ability to work. They may claim the medical documentation provided doesn’t fully support your claim.
• Policy Exclusions and Limitations: Every insurance policy has detailed terms. Certain conditions, pre-existing illnesses, or specific types of disabilities may not be covered, and claim adjusters may use this as a basis for denial.
• Missed Deadlines: The claims process is fraught with strict deadlines and procedural requirements. Even a minor oversight can lead to a denied claim.
• Disputes Over Disability Definition: Some policies require claimants to meet specific definitions of “disabled,” which can be subjective and open to interpretation.

These denials often leave individuals feeling powerless, but there is hope. Denials can be challenged, and our firm has extensive experience guiding clients through this complex process.

What Are Your Legal Options After a Denial?

The denial of your claim is not the final word. Here are some steps you can take to fight back:

1. Request a Detailed Explanation

Under the Employee Retirement Income Security Act (ERISA), insurance companies must provide a detailed explanation of why your claim was denied. Obtaining this information is a critical first step in building your case.

2. File a Formal Appeal

Time is of the essence when it comes to appeals. Our team can help you gather additional medical evidence, work with your healthcare providers to strengthen your claim and address the reasons for the initial denial.

3. Consider Legal Action

If the appeal is unsuccessful, filing a lawsuit against the insurance company may be necessary. This requires thorough preparation and knowledge of ERISA and disability laws.

Why Choose Roberts Disability Law, P.C.?

A long-term disability claim denial can feel like an uphill battle, especially when you’re already facing health challenges. That’s where we come in. Attorney Michelle Roberts has built her firm on the values of determination, empathy, and advocacy. Inspired by her own family’s struggles with disability, she has a personal commitment to helping individuals in situations just like yours.

At Roberts Disability Law, P.C., we provide:

• Customized Legal Strategies

Each case is unique, and we create tailored approaches to address the specific issues in your denial.

• Proven Success

Past clients have successfully overturned denials with our help, securing benefits that allowed them to focus on their health and future.

• Comprehensive Support

From filing appeals to representing you in court, we’re with you every step of the way, ensuring your voice is heard.

Your Path to Justice Starts Here

If you’ve had your long-term disability claim denied, it’s crucial to act quickly. You deserve an advocate who understands the system and is ready to fight for the benefits you need to rebuild your life. Roberts Disability Law, P.C. is proud to serve the San Mateo community, offering personalized, compassionate legal representation when you need it most.

Contact us today for a consultation. We will work diligently to turn your denial into the justice you deserve. Your future matters, and we’re here to help you secure it.