Have you been denied your rightful long-term disability benefits? Many times, a denial was based on misrepresentation, error, or even bad faith on the part of the insurance company, and it is important to know your options to appeal the decision.  The Garner Firm, Ltd., has some of the top Philadelphia long-term disability attorneys and has helped many people get their rightful benefits. If you are wondering how to file a claim or what your options are following a denial, reach out today to schedule an appointment with one of our talented lawyers.

What is the Employee Retirement Income Security Act (ERISA)?

ERISA is a federal law passed in 1974 that regulates employee benefit plans. The purpose of ERISA is to make sure the benefits promised by an employer are provided to employees through insurance coverage or when they retire or leave the company. When you qualify for long-term disability insurance coverage, your claim will be handled according to what’s stated in your group policy.  Long-term disability claims under ERISA can be complicated, however. Our firm can help answer any questions about this process and work on getting you back into financial stability as quickly as possible.

How to Know if Your Disability Benefits Have Been Wrongfully Denied?

If you have been denied your long-term disability benefits, it is important to know why. Typically, claims are denied because:

  • The insurer claims you do not have a qualified disability
  • You did not provide sufficient information regarding your disability
  • The insurer states that even with your condition, you can still work
  • The insurance company is acting in bad faith

We can review your denial reasons and advise you of your best chances of appeal. 

Why You Should Hire a Long-Term Disability Lawyer

If you are considering hiring a lawyer to handle your appeal, it is important to know that the sooner you take action on an ERISA long-term disability denial of benefits case, the better. Here at The Garner Firm, we understand how difficult this process can be and will make sure all steps in the appeals process are taken care of for the best possible outcome. We offer free consultations and will make sure you receive the benefits that are rightfully yours under ERISA law. With years of experience handling long-term disability cases, we can be the powerful partner you need in a battle against your employer and their insurance company. We have helped many people get their rightful benefits and can help you with your case.

Work with the Right Philadelphia Long-Term Disability Attorney

The Garner Firm, Ltd., is qualified to handle this complicated process for you, even if your case requires ERISA litigation. Understanding ERISA claims can be challenging, especially if you don’t have an experienced attorney at your side. This is where we can come in and help.  To learn more about our services, contact us today to schedule a free consultation. We can help your disability claim get back on the right track. 

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