Fight Back Against Your LTD Denial

The Employee Retirement Income Security Act (ERISA) is a law that protects those who need to earn or keep their disability benefits from their employer. While this law is successful in its purpose, that does not mean that using it for your benefit is easy. In fact, it can be quite complicated.

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. Our lawyers here at ERISA Law Center in Fresno, California, have over 35 years of experience fighting insurance companies to earn the benefits our clients deserve.

Our experience helps avoid critical errors during an appeal process. For example, once you complete the appeal process, you cannot add to or alter the administrative record after that point. We also know the time frame that you need to meet to successfully file an appeal. Whatever circumstances are surrounding your denied long-term disability claim, we have the knowledge and experience to guide you toward the best possible resolution of your case.

Do Not Take ‘No’ For An Answer When Your Insurance Company Denies Or Terminates Your Benefit

Insurers commonly deny or terminate disability claims, along with the appeals for them. When insurers do this, they hope that you do not pursue legal action so they can keep from paying you. There are a variety of reasons an insurer might deny your long-term disability claim, including:

  • Failure to meet the policy’s definition of disabled
  • Claim involves 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 such as video surveillance of you engaging in activities your disability should prevent you from

Each of these reasons involve complex variables that may or may not apply to you. Addressing them requires a comprehensive understanding of long-term disability rules and regulations. Thanks to ERISA, you do not have to let your insurance threaten your future. We have succeeded in filing hundreds of lawsuits that resulted in reinstating benefits or earning a fair settlement in a variety of circumstances.

Your Rights In LTD Bad Faith Insurance Denials

If you have received a wrongful denial or termination letter for your disability benefits from your insurance, you need to know that you have the right to challenge their decision. Here at ERISA Law Center, our lawyers know what it takes to file a lawsuit against your insurance if you feel that you experienced a wrongful denial or termination of your disability benefits.

These types of lawsuits are the most reliable method of earning the benefits or compensation you deserve for your situation. Our attorneys have been helping clients nationwide for more than three decades earn the best possible outcome for their case and, when necessary, position their cases well for a future disability appeal.

Our Experience Can Work For You

LTD bad faith insurance denials are common occurrences, as most insurance companies are expecting you to give up on what you deserve. With over three decades of experience in fighting these cases, we have successfully filed hundreds of lawsuits against dozens of insurance agencies. When we fight for you, we strive to either win the reinstatement of your benefits or provide you with a fair settlement.

We work to ensure that you don’t miss any crucial steps during your legal process. We know how complex these matters can be. Jeopardizing your case over a small oversight is not worth the risk.

How You Can Fight Your Insurance

When your insurer denies or terminates your disability benefits, it can leave you feeling angry at someone who you thought would help you in your time of need. You have every right to feel this way. Seeking to sue your insurer is a natural course of action under these circumstances.

If your case falls under the laws of the Employee Retirement Income Security Act, there are steps you need to take before being eligible to sue. The long-term disability lawyers at ERISA Law Center can help you through the process with personalized attention to your needs. Our experience with these types of cases allows our attorneys to help you through the appeals process that ERISA law requires before you are able to sue.

Defend Your Future With A Strong Litigator

Some insurers might deny or terminate your benefits in the hopes that you do not pursue legal action so they can avoid paying you. Other insurers may 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.

Do Not Take On Your Insurance Company On Your Own

We serve clients nationwide, and by being available 24/7 by phone, we are never out of touch with our clients. If you need help protecting your disability benefits, don’t leave things to chance. Contact our Fresno office today by calling 866-360-0983 or by completing our online form to schedule a free and confidential case review with one of our intake specialists.