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Are you a Northern California worker who is suffering from a disability? If so, you may be legally entitled to recover medical or income replacement benefits under your company’s ERISA-regulated plan. Unfortunately, many disabled Bay Area workers have trouble getting the full compensation that they are owed under their plan. Simply put, big insurance companies often reject and underpay many valid legal claims.
At Kantor & Kantor LLP, our dedicated East Palo Alto ERISA disability attorneys help individuals fight back. If your ERISA disability claim was denied, we are interested in hearing your case. Our ERISA lawyers will review your claim, and determine exactly what you need to do to get the full financial recovery that you deserve.
Your East Palo Alto ERISA claim begins from the moment that you submit your file to the insurance company. To get your claim paid as soon as possible, it is critically important that you carefully prepare your initial claim, making sure to include all relevant documents and records.
Once you submit your ERISA disability claim, your insurance company will have 45 days to make a decision. This 45-day review period is subject to one 45-day extension if the insurance company needs more time. Though, the insurance company must notify you in writing if your claim is going to take an additional 45 days to be resolved.
Hopefully, you will next receive a decision letter that indicates that your disability claim will be paid in full. However, that is sadly not the case for all qualified applicants. If you do receive a denial letter, that letter should clearly explain why your claim was rejected. You should save that letter, and get it to an experienced ERISA attorney for a comprehensive review.
From when you receive your ERISA disability denial letter, you will have 180 calendar days to file an administrative appeal with the insurance company. As ERISA appeals can be challenging, you should always consult with an attorney before filing your appeal.
Finally, if your internal appeal is not resolved in your favor, you will have the right to file an ERISA disability lawsuit. To be clear, you can only seek ERISA disability litigation once all of your other administrative options have been fully exhausted.
We can help. At Kantor & Kantor LLP, our East Palo Alto ERISA disability attorneys have helped many people recover full and fair financial compensation for their claim. To get a free consultation, please call us today at (510) 992-6130. We look forward to working with you.
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