San Francisco Long-Term Disability Appeals Lawyer

You accepted the job you currently have based on a range of factors that likely included the benefits offered. If one of these was long-term disability insurance, you relied on that coverage in the event you ever came to need it, which is where you find yourself now. If your long-term disability claim has been denied, an experienced San Francisco Long-term disability appeals lawyer can help. 

Long-Term Disability Coverage

While your employer has to provide you with workers’ compensation coverage that applies if you suffer an injury or illness that is work-related, long-term disability (LTD) insurance is an optional benefit. LTD insurance covers injuries and illnesses that are not just related to work, and although it’s an optional perk, the distribution of this benefit is not without legal oversight. The  Employee Retirement Income Security Act (ERISA) fills this role, ensuring that employers follow through with the benefits they offer employees. 

Your Claim Denial

Sometimes, LTD claims are denied because they fail to include all the required information. These benefit claims are based on evidence, and the kind of evidence that generally needs to be addressed includes all the following:

• Relevant medical records
• Your doctor’s notes, comments, and report regarding your injury or illness
• Relevant medical test results

Ensuring that all the requested information is included in your claim is key, but claims can be denied for a range of reasons that have nothing to do with your documentation. Ultimately, your employer is interested in keeping benefits low and profits high, which can lead to claim denials that are in error or are on the wrong side of the law. Working closely with a dedicated long-term disability attorney in San Francisco can help.

The Appeals Process

The appeals process generally begins with an appeal letter that outlines all the compelling evidence in your claim and carefully addresses the matter of benefits to which you are entitled. This requires focused attention to detail, careful written construction, and legal insight, which means it’s best left in your attorney’s capable hands. 

If your appeal or appeals – two may be required – are unsuccessful, you can take the matter up in court by filing a federal lawsuit. Your case will be based on finding your LTD claim denial both arbitrary and capricious, which means not being in accordance with the rules and regulations set by ERISA. Obtaining the benefits that you were promised when you came on board as an employee is important to your future and deserves legal attention. 

Reach Out to an Experienced San Francisco Long-Term Disability Appeals Lawyer Today

The formidable San Francisco long-term disability appeals lawyers at Roberts Disability Law, P.C., appreciate exactly how challenging having your long-term disability claim denied can be, and we’re committed to leaving no stone unturned in our focused efforts to protect your legal rights and obtain your rightful benefits. Our practiced legal team is on your side and here to help, so please don’t put off contacting us for more information about what we can do for you today.