Representing You In Your Long Term Disability Appeal

Representing You In Your Long Term Disability Appeal

We have represented hundreds of individuals from all walks of life regarding their long term disability appeals, including: doctors, nurses, dentists, medical personnel, machinists, teachers, firemen, policemen, business owners, coaches, production workers, airline attendants, utility workers, maintenance personnel.  We know how the system works and are here to help.  But don’t delay, as you only have 180 days to appeal your long term disability denial. We’ll work with you and your doctor to present the best information possible about you and your disability. We’ll stand up to the insurance companies and fight back on your behalf.

ERISA (Employee Retirement Insurance Security Act)

  • If you receive your long term disability insurance from your employer, then your claim is probably governed by the Employee Retirement Insurance Security Act, (ERISA).  There are a few exceptions, so call and see if they may apply.
  • Under ERISA regulations, you have only 180 days to file an appeal from the date you receive your denial letter.
  • In general, you are required to file an appeal, possibly two, if you are denied long or short term disability.
  • If you fail to appeal, exhaust administrative remedies, then you may be prevented from filing a suit later in court.
  • We can help, even if you live in another state.  We can file your appeal regardless of where you live, but if we need to file suit in court in another jurisdiction, we will work with an appropriate attorney to help handle your claim.
  • How long do I have to file my long term disability lawsuit? This depends on what your insurance plan says.  You’ll need to get a copy of your policy, if you don’t already have it.  You also should be able to find this information in a document called your “Summary Plan Description.”  The Summary Plan Description has to be supplied to you by the Plan Administrator, who is often your employer.  Some plans have short statute of limitations, so make sure you check your summary or insurance plan to see how long you have to file suit after your appeals have been denied.
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