Have You Been Robbed of Your Peace of Mind by Your Long Term Disability Carrier
You purchased your long term disability policy expecting that in your time of greatest financial need, your long term disability carrier would step up to the plate and pay you the benefits that you purchased.
Unfortunately, long term disability carriers do not make it easy for those who purchased a private disability policy or a policy through their employer to get the benefits that they ought to receive.
Why? The insurance company’s goal is often not to provide full benefits but rather, profit. Long term disability carriers maximize their profits by minimizing the compensation that they pay out of their policy.
A vast majority of long term group policies are regulated under the ERISA statute (Employee Retirement Income Security Act). It’s a highly complicated and specialized area of law.
Unfortunately, many people pursue their claims without the assistance of an attorney. Worse yet, when the claim is denied, many long term disability applicants attempt to handle the appeal by themselves thinking that just writing a letter or getting a note from a doctor is good enough.
Under ERISA, a person whose benefits have been denied has only 180 days to appeal the decision. That appeal process is difficult and complex and the insurance company doesn’t always explain to you what you need to do to get the benefits that you deserve.
In fact, did you know that you can actually get a copy of your long term disability file and that it’s important to have that so the winning appeal can be prepared.
When you review that file you will learn that the insurance company has brought in a medical professionals, vocational experts and even investigators to minimize or destroy your claim.
Attempting to handle your long term disability appeal can jeopardize a life time of benefits. Working with an attorney, such as Nancy Cavey, who has experience in handling long term disability insurance claims can prove invaluable. Why? She can help build the strongest case possible based on your personal circumstances and avoid the procedural pitfalls that can destroy an appeal.
With only 180 days to bring an appeal, it’s important that you start the process as soon as possible. If you have received a denial of disability benefits in a letter or you realize that the insurance company simply isn’t playing fair with you in handling your claim in a timely manner, contact disability attorney Nancy Cavey to help you cut through the red tape and fight for your benefits, no matter where you live in the United States.