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If you’ve suffered a serious injury or developed a medical condition that prevents you from working on a full-time basis, it can cause a tremendous amount of hardship and disruption. During this challenging time, financial support can provide much-needed relief and protection. Of course, navigating the claims process can be challenging—you may have questions about exactly what types of benefits and options are available. Working with a skilled Mountain View long term disability attorney can often help ensure that you receive the full benefits to which you are entitled.
Long term disability insurance covers injuries, illnesses, and medical conditions regardless of when and how they occurred. Unlike workers’ compensation claims, it does not matter if your disability was caused by your employment. The key issue is that your disability/medical condition is preventing you from earning a living.
According to data cited by National Public Radio (NPR), 41% of U.S. employers offer long-term disability insurance to workers. If you obtained long-term disability coverage through an employer, then your policy is almost certainly regulated by the Employee Retirement Income Security Act (ERISA). Among other things, ERISA standardizes the long-term disability claims process and the appeals process.
If you or your loved one has disability insurance and developed a serious medical condition, you should bring a claim. You paid your insurance premiums for just such an occasion—do not leave your benefits unclaimed.
Many claims are denied because they fail to meet the requirements for eligibility for that benefit. Unfortunately, though, it is common practice for benefits claims to be wrongly denied. Often the people responsible for paying out claims are the same ones who review them, creating a financial incentive to deny claims to save money. Tying up legitimate claims in the appeals process is another tactic that unethical insurers may use to avoid paying. Or in some cases, a clerical error in the claims process results in an incorrect denial.
No two long term disability insurance cases are the same. At Kantor & Kantor, our attorneys begin by thoroughly reviewing the facts in your cases and determining the best course of action. If filing a lawsuit is appropriate, we have highly skilled ERISA litigation attorneys who can fight for your rights in court if needed.
ERISA is a complex area of law, and not all attorneys are prepared to adequately represent these cases. The insurance companies have teams of lawyers on their side who know ERISA inside and out, and you deserve to have strong advocates on your side as well. The ERISA lawyers at Kantor & Kantor have extensive experience handling long-term disability claims.
If you are no longer able to work on a full-time basis due to an injury or medical condition, you may be entitled to long-term disability benefits. If you are struggling to get your disability benefits, we are here to help. For a free, no-obligation review of your claim, please contact our Mountain View long term disability attorneys today.
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