ERISA Long Term Disability And Insurance Disputes

Finding Resolution For ERISA Benefits And Insurance Disputes

When a person becomes unable to work due to an injury or illness, strain on the disabled victim is tremendous. When one’s employer provides long-term disability coverage, the Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that often controls long-term disability claims.

Shocking Treatment From Insurance Companies

Disabled individuals with long-term disability insurance are often shocked at their insurer’s outright refusal to pay benefits. Long-term disability insurance companies are corporations whose goal is profit. They maximize these profits by minimizing what they pay in claims. Unfortunately, disability insurance policies are written to favor the insurer. The applicable law is, likewise, unfavorable to the insured. That’s when you can benefit from an ERISA attorney representing you. An experienced disability attorney can successfully reverse an unfair denial of disability benefits.

When To Hire An Attorney

The insurance companies will use their own paid medical consultants to provide input about your claim despite never having treated or even examined you. These insurance company medical consultants will often even disagree with your own treating physician who sees you regularly. In these cases, it is essential to hire an ERISA attorney as soon as possible. In many cases, policyholders do not challenge an unfair denial of benefits, believing it would be too costly, and that they would probably lose.

However, many who exercise their rights to appeal and litigate win their benefits. Many people do not even think of hiring an attorney until their long-term disability benefits get denied. If you are denied long-term disability benefits, the best time to hire an ERISA attorney is immediately before an administrative appeal of the claim. An ERISA lawyer can gather and provide the evidence required to maximize the chances of winning the administrative appeal.

Get Skilled Legal Help Today

If you ultimately decide to hire us for your long-term disability insurance claim, we handle it on a contingency fee basis. We receive compensation only if you win. Scott D. Wilson, A Professional Law Corporation‘s experience in ERISA cases makes us an excellent choice to pursue your benefits. To schedule your free initial consultation, call 225-614-3114, or contact us online.