Fight Back Against Your LTD Denial
The Employee Retirement Income Security Act (ERISA) protects those who receive disability benefits through an employer’s plan. Unfortunately, obtaining these benefits is not always easy. If your insurer wrongfully denied or terminated your disability benefits, you have the right to challenge its decision.
At ERISA Law Center in Fresno, we know what it takes to file a lawsuit against your insurance if you feel that you experienced a wrongful denial or termination. For more than 35 years, our attorneys have helped clients nationwide appeal disability decisions. We know how to position your case for an appeal to help you achieve the best outcome available.
You Do Not Have To Take No For An Answer
Insurers commonly deny or terminate disability claims and appeals. They hope that this will discourage you from further action so that they do not have to pay you. There is a variety of reasons an insurer might deny your claim, including:
- Failure to meet the policy’s definition of disabled
- An excluded or preexisting condition
- Missing medical records
- Lack of medical documentation of ongoing treatment for the condition
- A finding by the insurance company’s doctors that you should be able to continue working
- Evidence of you engaging in activities your disability should prevent you from
Each of these reasons involves complex variables that may or may not apply to you. Addressing them requires a comprehensive understanding of long-term disability rules and regulations. We have successfully helped hundreds of clients challenge their insurers’ denials and reinstate their benefits.
Why Hire An Attorney?
We can ensure that you don’t miss any crucial steps during your appeal process. We know how complex these matters can be, and jeopardizing everything over a small oversight is not worth the risk. For example, once you complete the appeal process, you cannot add to or alter the administrative record. We also know the time frame to successfully file an appeal. Whatever circumstances surround your denied long-term disability claim, we have the knowledge and experience to guide you toward the best possible resolution for your case.
Is An ERISA Lawsuit Right For Me?
Your insurance company is supposed to help you in your time of need. But when it denies or terminates your LTD benefits, it can leave you feeling angry. You have every right to feel this way.
Lawsuits are the most reliable method of obtaining the benefits you deserve. Suing your insurer is a natural course of action under these circumstances. If your case falls under the laws of ERISA, you must meet certain conditions before you can sue. Our long-term disability lawyers can help you through the process with personalized attention to your needs.
Defend Your Benefits With A Strong Litigator
Bad faith denials are commonplace, since most insurance companies expect you to give up without a fight. Some insurers deny or terminate your benefits in the hopes that you do not pursue legal action so they can avoid paying you. Other insurers expect a lawsuit and will fight aggressively to keep you from the benefits you deserve.
In either case, having an experienced litigation attorney working for you will help protect the benefits you deserve. When the security of your future is on the line, you cannot leave anything to chance. If an insurance company wrongly denied or terminated the benefits of you or a loved one, get the help you need. With over three decades of experience, we have successfully taken on dozens of insurance agencies. When we fight for you, we strive to win the reinstatement of your benefits or to provide you with a fair settlement.
Do Not Take On Your Insurance Company On Your Own
If you need help protecting your disability benefits, don’t leave things to chance. If you or a loved one has had their insurer deny or terminate their long-term disability (LTD) benefits, work with an experienced ERISA attorney who can help.
Contact our Fresno office today by calling 866-360-0983. By being available 24/7 by phone, we are never out of reach. You can also complete our online form to schedule a free and confidential case review with one of our intake specialists. We serve clients nationwide.