Disability Claim Appeals
Understanding ERISA Appeals
The appeal phase is your last opportunity to make the administrative record as complete as possible. This administrative record includes all evidence submitted to the insurance company in relation to your disability claim. Once the disability claim appeal process is complete, the administrative record is “set in stone.” Should you file a lawsuit later on, the judge will only look at the existing administrative record. If you have not submitted enough supporting evidence or the right type of evidence, you could lose your case regardless of how sick or disabled you may be.
The most important thing to keep in mind is your deadline for filing an internal appeal, because you are limited to 60 days for older disability claims and 180 days if your disability arose after January 2002. You have to use this time very effectively. The appeal must be filed in accordance with the procedures and deadlines specified in your disability plan. If you don’t have your policy documents by now, you must obtain them quickly from the plan administrator.
Avoid Critical Errors in Your Disability Claim Appeal
ERISA Law Center represents claimants in all stages of their group disability or life insurance claims nationwide. Our legal team is there for you every step of the way.
To discuss your specific ERISA claim in a free consultation, please contact our law firm. We represent clients nationwide.