There are many different medical conditions that can prevent you from working. Having to halt your employment prematurely can be devastating emotionally, though the financial effects can be a huge stressor, as well. You might rest assured that your disability insurance coverage will kick in and help provide financial support, though too many people hit roadblocks with their insurers.
Learning that your disability insurer is delaying or denying your claim can only add more stress to an already terrible situation. While you are attending your medical treatment and adjusting to life with your disabling condition, the last thing you need is to go around in circles with an insurance company to get the benefits you deserve. You should never wait to call a long-term disability lawyer near you for assistance.
When you have an insurance plan in place, you rightfully expect the company to assist you in your time of need. However, all insurance companies – including disability insurers – are businesses first. This means that to preserve their profits, the companies will find any reason possible to avoid paying out claims. This even applies to valid claims.
When you file a disability claim because you can no longer work due to a physical or mental condition, you can run into problems, and many people have their initial claims denied. There are different reasons for denials, including:
Sometimes, insurance companies deny claims out of bad faith practices with no valid reason at all. What is important is that you contact a long-term disability attorney as soon as possible if you receive a denial.
Employer-sponsored disability plans are governed by a federal law called the Employee Retirement Income Security Act (ERISA). Under ERISA, a disability claimant must exhaust all administrative remedies prior to taking legal action in federal court. There are deadlines and procedures to follow for administrative appeals, and you cannot simply ask the insurer to reconsider.
At Roberts Disability Law, we represent disabled individuals who have received claim denials, and we know how to approach each appeal in the best manner possible. The information you submit for your administrative appeal is critical, as this is what the court will consider should your claim make it that far in the process without being granted.
Our goal is to obtain the benefits you deserve under your ERISA insurance policy, and we can explore every avenue for appeals until you get the coverage your policy should provide.
When you speak with Roberts Disability Law, we can review the reasons for your claim denial and design an appeal strategy that is appropriate in your case. We assist clients with a wide range of disabilities, and we fight for what is right against insurance companies. Contact us for more information and assistance today.
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