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In the unfortunate event that you have become disabled and are no longer able to earn a living, it is imperative that you are able to recover full disability benefits. Sadly, far too often, the big insurance companies deny valid disability claims, hurting innocent people. In other cases, applicants lose out on their benefits because the process is too complicated, and they make small mistakes when filing their claim. Let our team help you seek your benefits. At Kantor & Kantor LLP, our experienced Palo Alto ERISA disability lawyers have a deep understanding of the claims process.
Most, but not all, employer sponsored welfare benefits plans are regulated by the Employee Retirement Income Security Act of 1974 (ERISA). If you are filing a disability claim under a plan that is governed by ERISA, then you must understand the process by which claims are filed and reviewed. You should know that you only have 180 days to file an administrative appeal after you receive your initial denial letter. When filing this internal appeal, it is imperative that you make a proactive effort to correct any issues that there might be with your claim. The best way to protect yourself is to work with an experienced Palo Alto ERISA disability lawyer who can assess your case file and help you improve your application.
All ERISA claims, including disability claims, must go through by a well-established, highly regulated appeals process. The first part of this appeals process consists of an administrative review of your claim by the insurance company. After the conclusion of that review, if your claim has still not been resolved to your satisfaction, you may file a lawsuit to seek benefits. However, there is a catch that the insurance company will not tell you: You cannot submit any new evidence when you file your lawsuit. As such, it is imperative that you get all relevant documents, records, testimony and information related to your claim into your case file before the internal review is closed. For this reason, you should not wait until it is time to file a lawsuit to hire an attorney. At that point, your claim may already be in trouble. Consult with a Palo Alto lawyer as soon as you possibly can.
Was your ERISA disability claim denied in Palo Alto, California? If so, please do not give up. You still have legal options available. At Kantor & Kantor LLP, our Palo Alto ERISA attorneys will help you take on the insurance company. For a free review, no-obligation case evaluation, please call our firm today at (510) 992-6130 or email us directly through our website.
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