A long term disability (LTD) insurance payment is a way to make your ends meet. If you can no longer earn for a living and provide for your family due to an illness or an injury, your insurance payments should get you through your expenses. It is your safety net that could help you get through life if anything happens. In some instances, the insurance company finds a way to not pay your LTD insurance. This is where our services come in. We can help you and your family exercise your rights under the Employee Retirement Income Security Act (ERISA). Long Term Disability Insurance is different from Social Security Disability benefits.
Time to Act Now
You only have 180 days to file your appeal with the insurance company. Your 180 days start from the day you receive the notice of denial, the limited time makes it important to process your appeal right away. During the appeals process, the actions you take makes a huge difference in your claim. The only time you can submit more evidence to support your claim is during the internal appeals process. If in the appeals process your claim gets denied, you can follow it through with a long term disability claim lawsuit.
You do not need to worry about missing important deadlines if you have a Long Term Disability appeals attorney to help you. Having an attorney protects your legal rights by making sure that your appeal is filed properly.
Insurance companies risk nothing when denying claims. When they wrongly deny an insurance claim, they are protected from damages by ERISA. Insurance companies are known for denying insurance claims. They think that when you are disabled, you will easily give up if you get denied. It may be difficult to keep fighting for benefits.
The insurance company got paid through premiums so it is now their duty to uphold their obligation by paying you the benefits you deserve. You and your family need it now and the following years. Call a Long Term Disability claims attorney to schedule a free consultation. It is important to act right away if you or someone you love has been denied of long term disability benefits. There is limited time to act on appealing your denied benefits, so call us right away!