When your disability insurance comes through your job, ERISA gives you certain legal rights. Unfortunately, in their zeal to protect their bottom line, insurance companies often try to violate those rights. When that happens, you need an LTD insurance attorney in Philadelphia to help ensure that you get what you legally deserve.
Insurance companies do not make it easy for you to get your ERISA long-term disability benefits. They may even conduct surveillance on you and approach your friends and family to try to get them to unwittingly give statements that can undercut your claim. They may deny benefits for some of the following reasons:
The disability insurance companies try to put every obstacle that they can in front of you when you are trying to appeal your denial of benefits. They have many lawyers at their disposal who specialize in trying to keep you from getting the disability benefits that you need.
However, the insurance company is not the judge and jury, nor do they get the final say on your claim. Otherwise, they would be able to wrongly deny a claim and not be subject to any scrutiny. This is why you need to come to the table with an LTD insurance attorney of your own. This will help level the playing field between you and the insurance company.
The first thing that you need to do is file an appeal of the denial. You must take this process very seriously because the record for the appeal may be the only factual record a court considers in a lawsuit. You should include the following in your appeal:
If your appeal is not successful, you will need to file a lawsuit in court to receive your benefits. A judge will review the evidence in your appeal file and listen to your attorney’s arguments about why you are entitled to long-term disability insurance.
At all points in the litigation process, your claim is subject to strict deadlines. The timeframes in these cases tend to be short, making it vital to get started on your claim early. When you have earned the right to ERISA disability benefits, you need to be vigilant about fighting back when the insurance company is trying to take them away from you.
The Garner Firm represents individuals who are fighting to receive ERISA long-term disability benefits. Contact us today for help with your claim. We understand the appeals process and can help you navigate this complicated process. Your initial consultation is free.
Adam helped me with my LTD case. His knowledge and thoroughness was outstanding. He communicated every aspect of the process and case in an extremely detailed and timely manner. He also took the time to answer any questions I had as a person going through it for the first time. I could not recommend him more for anyone in a similar situation.
Adam and his team are great. They did an excellent job helping my family when we were really losing hope. Adam is very professional and has excellent knowledge to protect your rights. If you choose Adam you will talk directly with him. It was a truly pleasant experience. I’m extremely thankful that I chose the Garner firm. I highly recommend them.
Adam Garner provided excellent courteous and considerate service in helping me resolve a long term disability claim. He was accessible, knowledgeable and exercised the good judgement necessary for us to be successful. I heartily recommend his expertise and services
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Throughout my relationship with The Garner Firm, there was never a time that I felt uninformed where my case stood. Attorney Adam Garner focuses on making sure his clients are well informed throughout their legal battle. I can reassure any prospective clients that Adam will maximize all his resources and fight to the MAX in order you’re reasonably compensated.
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