Suffering an injury or illness that results in the inability to work is frustrating. It can become an absolute nightmare if you are unable to work for a long period of time and need to pursue long-term disability payments. In most cases, employee disability benefit plans that are issued by private employers are governed by the Employee Retirement Income Security Act of 1974, or ERISA. The Garner Firm, Ltd. is highly experienced in handling ERISA cases and may be able to help with your claim in Pennsylvania, New Jersey or Maryland. ERISA is a federal law that was designed to protect employees and their benefits. Unfortunately, given the way the law has developed, most of these plans end up benefiting the insurance companies that provide the benefits rather than the employee. For this reason, many employees who should be receiving benefits find that their claims are terminated early or are denied altogether. It is important that you do not let the insurance companies take advantage of you and unfairly deny your benefits. Retaining a Bryn Mawr long-term disability lawyer is a key step in protecting your rights. At The Garner Firm, Ltd., our experienced attorneys are ready and willing to help fight to get you the benefits you deserve.
Reasons Long Term Disability Claims are Often Denied
There are numerous reasons the carrier may deny your long-term disability benefits. You have a right to know why your claim was denied. With that information, you can move forward with trying to address the reasons the insurance company wrongfully denied your claim in your appeals paperwork. Some of the common reasons cited for denying a long-term disability claim include:
- Failure to provide supporting evidence;
- You made a mistake on your initial application for disability;
- The insurance provider made errors or acted in bad faith;
- Dispute regarding the medical evidence you submitted; or
- Dispute over the policy’s definition of disability.
In the event your long-term disability claim is denied, it is important to reach out to a skilled and experienced attorney who can help. Our long-term disability attorney at The Garner Firm, Ltd. will start by carefully reviewing your disability denial letter, and then develop a strategy for a compelling appeal.
How a Long Term Disability Attorney Near Bryn Mawr can Help
One of the most important ways an attorney can help is to prepare the best appeal for your benefits. Your attorney will speak with the insurance company and obtain your entire case file. He or she will also gather all evidence, medical records, and vocational evaluations in order to build a persuasive argument for your appeal and handle negotiations with the insurance company. While some attorneys might give up, we are relentless in our pursuit of long-term disability benefits for our clients. While some claims can be resolved out of court, there are scenarios in which litigation is necessary. Our attorneys have experience in the courtroom, so we are ready to take your claim to court if it becomes necessary.
Contact a Bryn Mawr Long Term Disability Attorney
If long-term disability benefits were prematurely terminated or denied outright, contact The Garner Firm, Ltd. today to schedule a free initial consultation.