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Was your ERISA disability claim refused by the insurance company? If so, please do not give up hope. You have right to file an appeal, and, if necessary, a lawsuit. Still, you need to act quickly. Please get your file into the hands of an experienced East Bay ERISA disability lawyer today. At Kantor & Kantor LLP, our team is focused on helping individuals who are struggling to obtain their benefits. We help applicants throughout the East Bay region fight to recover every penny that they rightfully deserve.
Many group health and welfare benefits plans are governed by the Employee Retirement Income Security Act of 1974 (ERISA). If you are seeking disability benefits under this type of plan, you need to be ready for any challenges you might run into during the course of the claims process. First and foremost, in the unfortunate event that you get a denial letter, you must take immediate action in regards to your claim. Indeed, if you fail to file an appeal within 180 days, then you will almost certainly lose out on your appeal rights. It is critically important that you act quickly after receiving a denial. Your first step should be to call a qualified East Bay ERISA disability lawyer. Get your disability denial letter into the hands of your lawyer. Your lawyer will be able to review the insurer’s decision, explain your legal rights, and help you assess your options for an appeal.
The Administrative Record (or ‘claim file’) is one of the most important parts of an ERISA disability case. Your claim file begins accumulating from the first day you actually submit your claim until the day at which the insurance company issues its final decision. At that point, if you are still not happy with the insurer’s decision, you can file a lawsuit to seek your ERISA disability benefits. However, the evidence available to you in your lawsuit will be limited to what is already in the administrative record. In other words, if you fail to get important evidence into the official record at the appropriate time, you will most likely lose out on that evidence permanently. This could destroy your claim. Please do not let this happen to you; protect yourself by working with an experienced East Bay disability attorney.
At Kantor & Kantor LLP, our dedicated ERISA disability attorneys have extensive experience assisting individuals who have had their claim wrongly denied or refused. If you need legal help taking on an insurance company, please get in touch with our team today to set up a free review of your case. We proudly represent individuals throughout the East Bay, including in Berkeley, Concord, Fremont and Hayward.
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