At The Law Office of Nancy L. Cavey, our Sedgwick disability claims lawyer is a kind, compassionate, and knowledgeable advocate for clients. An award-winning disability law firm, we are focused on ensuring that people and families get access to every dollar they are owed under the terms of their insurance policy. Whether you are just getting started with the disability claims process or your application for benefits has already been denied, our legal team is available to help. For your no-cost, no-obligation initial consultation, please do not hesitate to contact our disability team today.
An Overview of Sedgwick Disability Claims
Founded in 1969 and headquartered in Memphis, Tennessee, Sedgwick Claims Management Services Ltd. (Sedgwick) is a benefits management company that provides services to employers related to a wide range of disability and absence claims. In other words, Sedgwick is not technically an insurance company. It is a third-party claims administrator.
For policyholders and beneficiaries, working with a third-party claims administrator is not much different than working with an insurance company. Unfortunately, these corporations can make it challenging for people to get access to the full and fair disability compensation that they rightfully deserve. Professional legal help is available when you run into problems.
You Have the Right to Appeal a Disability Denial By Sedgwick
Few things are more frustrating, annoying, and altogether stressful than having your disability claim denied by an insurance company or claims administrator. If your short-term disability benefits or long-term disability benefitswere denied by Sedgwick, you have the right to file an appeal. Do not assume that you are out of options. Disability insurers like Sedgwick are required to follow certain legal standards. In general, they must provide policyholders/beneficiaries with written notice of an adverse decision—such as the denial of a claim. Reasons why a disability claim may be denied by Sedgwick include:
- Applicant mistakes in the disability paperwork;
- Issues with financial documentation or work-related documentation;
- Missing medical records;
- A disagreement regarding the medical evidence;
- Policy exclusions; and
- Bad faith conduct.
Disability appeals are complicated. The big insurance companies and benefits management companies put a lot of resources behind protecting their interests—they want to do what is best for their financial interests, not what is best for your family. An experienced Sedgwick disability claims lawyer can help you craft a compelling, well-supported appeal. That appeal should clearly explain why your benefits were denied improperly. An appeal must be sent in at the administrative level before the applicable deadline expires. The deadline for appeal is 180 days with an ERISA disability claim. With a non-ERISA claim, you may only have 30, 60, or 90 days to start the appeals process.
Sedgwick Disability Claims: FAQs
How Do I File for Disability Benefits from Sedgwick?
There are two main ways to file for benefits through Sedgwick. You can call the company directly at (800) 845-7739 to get the forms that you need to be mailed to your address. Alternatively, you can initiate a disability claim through the company’s online platform. As Sedgwick manages employer-backed disability claims, you should be able to get more detailed information directly from your employer.
What Formula Does Sedgwick Use to Calculate Disability Benefits?
When a disability claim is approved by Sedgwick, benefits will be based on the specific terms of the applicant’s policy. Most often, Sedgwick disability claims provide financial support worth between 40 percent and 66 percent of the applicant’s pre-disability income—up to a maximum benefit limit.
Is it Expensive to Hire a Disability Attorney?
No. You do not need to worry about upfront/out-of-pocket costs with The Law Office of Nancy L. Cavey. Our Sedgwick disability claims lawyer represents policyholders and beneficiaries on contingency. You are fully protected by our no-fee guarantee. We only get paid when you get paid.
Call Our Sedgwick Disability Claims Lawyer for Immediate Help
At The Law Office of Nancy L. Cavey, we are an award-winning disability law firm devoted to helping people and families in need maximize their financial support. Large insurance companies and third-party benefit management companies do not get to make the final decision on your claim. If your disability claim was denied by Sedgwick, we are more than ready to get started. Get in touch with us by phone or connect with us online for your free, fully confidential disability consultation. We handle disability claims in Florida and nationwide.