If you are no longer able to work on a full-time basis, you may be eligible for long-term disability benefits. Many Philadelphia area workers are covered by long-term disability insurance policies. If the policy was obtained through an employer, it is likely regulated by Employee Retirement Income Security Act (ERISA). While ERISA provides certain key protections to plan participants and beneficiaries, obtaining full and fair long-term disability benefits can still prove to be challenging.
At The Garner Firm, our Philadelphia long-term disability attorney knows how to hold the big insurance companies accountable. We fight to protect the rights and interests of our clients. If your long-term disability claim was denied in Southeastern Pennsylvania, we can help. For a free, no-obligation initial legal consultation, please do not hesitate to contact our legal team today.
If your long-term disability claim was denied in Philadelphia, you need to take immediate action to protect your rights. Most LTD claims are filed against ERISA-governed employee benefits plans. ERISA has strict deadlines for filing an LTD appeal. Even if you are filing an LTD claim against a non-ERISA insurance policy, you will still only have limited time to take action. It is crucial that you understand why your claim was rejected. You should have received a denial letter from the insurer; it is recommended that you get this letter to an experienced long-term disability attorney for guidance on how to proceed.
Unfortunately, ERISA stacks the deck in favor of the insurance companies. The good news is that a skilled Philadelphia long-term disability attorney can help you fight back. Our law firm is prepared to protect your rights. If your long-term disability claim was denied, we will:
Our legal team works tirelessly to help our clients get access to their benefits without unreasonable delay. In many cases, this means reaching a full and fair settlement with the insurance company. Though, if the insurance company refuses to pay you or your family the full amount that is owed, we are always prepared for litigation.
At The Garner Firm, our Philadelphia long-term disability lawyer represents applicants who have had their disability claims denied. If your disability claim was denied or underpaid in Southeastern Pennsylvania, please contact our Philadelphia law office at (215) 645-5955. Initial consultations are always free of charge.
Adam is extremely knowledgeable and always helped answer all of our questions we had. Very supportive in a challenging case. He understood our situation and was beyond great! He helped my family so much!
I would highly recommend Adam and the Garner Firm!
I would highly recommend Adam to anyone!!! He is very professional, works hard for you, and very knowledgeable. He is honest and upfront with you with any obstacles that he may face in representing you. He keeps you well informed of your case and responds promptly to any questions or concerns you may have. He does a Stellar job!!!
From the initial phone call for assistance to the end of the case Adam and The Garner Firm was an absolute blessing to me and my family. He presented genuine concern and professionalism throughout the process. Where as other attorneys see’s a client as a client Adam fights for a client like were and individual who’s rights have been violated. I’m very grateful for his help through a very rough time and trust that this review is sincere. Blessing to the Adam and The Garner Firm.
Adam Garner is the definition of professionalism and expertise. He is currently handling my case, which turned out to be more difficult than expected, and is getting positive results. I would highly recommend Mr. Garner to anyone with a disability and/or workplace issue.
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