Malvern Long Term Disability Lawyer

ERISA • Employment Law

Malvern Long Term Disability Lawyer

If an injury or illness causes a disability that prevents you from working, it can be a devastating situation. If you cannot earn a living, how will you cover your bills and expenses? If you had long term disability (LTD) insurance coverage through your employer, you can file a claim for disability benefits now that you cannot work. 

Long term disability benefit claims are notorious for being challenging and complicated, and insurance companies regularly find reasons to deny these claims. If you need assistance with a claim or need to appeal a denial, contact a Malvern long term disability lawyer for help. The Garner Firm, Ltd. is ready to fight for the benefits you deserve. 

ERISA and Long Term Disability Coverage

Almost all disability insurance plans offered through private employers are subject to the Employee Retirement Income Security Act of 1974 (ERISA). This is a federal statute that seems as if it is protecting employees when, in reality, its provisions can be favorable to employers and insurance companies over claimants. For this reason, it is common for disabled individuals to receive denials of disability or to have their benefits terminated inappropriately. 

If you need to file a claim for long term disability benefits, you should never hesitate to seek help from an experienced LTD lawyer. The more comprehensive and persuasive your initial claim is, the greater chance you have of getting approved for benefits from the start. We know the type of documentation and proof disability insurers want, and we can prepare and file your claim, as well as negotiate with the insurance company on your behalf. We know the tactics insurers use to deny LTD claims, and we can build the strongest case in favor of benefits for you. 

If you already received a claim denial, you should contact our office as soon as possible. You must take the proper steps to appeal the denial within a certain timeframe. If you fail to do so, you can lose your rights. We know the procedures for appealing LTD claims, and we can handle this process for you. 

In the event that an appeal is unsuccessful, we can file a lawsuit against your insurance company. We know how to handle ERISA litigation, which can be complex. 

Learn How a Malvern Long Term Disability Lawyer Can Help You

If you need to file a claim for long term disability benefits under an employer-sponsored plan, you must meet every deadline and requirement for your initial claim, as well as an appeal of a denied claim. Many people are not familiar with all the necessary procedures, which can jeopardize the benefits they need and are entitled to. For professional assistance with this complicated process, contact a Malvern long term disability lawyer from The Garner Firm, Ltd. We can handle the claims process and take your insurer to court if needed to protect your rights. Contact us today for more information and a free initial consultation.

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Mr. Garner is an ERISA employee benefits and employment attorney with over a decade of experience. The laws governing employee benefits, the employment relationship, and the workplace are complex.

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