ERISA
If you purchased a Long Term Disability (LTD) policy on your own or through your employer, and you are now unable to work, you may have a claim for benefits through that policy.
Many of the leading disability insurance companies engage in systematic strategies to deny claims. Aided by an ERISA law that gives them procedural advantages, these companies have many means at their disposal to intimidate or outwit legitimate claimants. It is our job to level the playing field for an individual who wants to expend his or her energy recovering from their illness, rather than fighting with an insurance company.
LTD insurers count on the fact that you probably won't know their rules and procedures and, as a result, you will have a more limited chance of fighting to win your disability benefits. LTD insurance carriers, are not impartial, quite the opposite is true. Long term disability insurers have a vested interest in the outcome of LTD claims. In other words, the more claims they approve and pay out, the less "financially healthy" their bottom line is. And the fewer long term disability cases they approve, the greater their profit margins will be. Again, this points to the impartial and biased nature of these companies and it points to the fact that every time they approve a claim, they lose profit. It is for this reason in particular, that it is in your best interest to consult with Allan W. Ben P.C. well before a LTD claim has been denied.
The lawyers at Allan W. Ben P.C. can assist you with initial claim filings, appeals, litigation, and claim management. We help you communicate effectively with your insurance company and your doctors. We advise you about how to conduct your life in a way that does not harm your case, and how to respond to the actions and requests of your disability insurance company.
LTD insurers count on the fact that you probably won't know their rules and procedures and, as a consequence, will have a more limited chance of fighting to win your disability benefits, despite the fact that you or your employer have dutifully paid the premiums for your disability benefits. Again, this points to the impartial and biased nature of these companies and it points to the fact that every time they approve a claim, they lose profit. And it is for this reason in particular that it may be wise to consult with an experienced long term disability attorney well before a long term disability claim has been denied, and even before an LTD claim has been initiated and filed.
There are time limits to all claims under the ERISA statute, and every stage of your case is subject to a deadline. You should not delay in proceeding with your ERISA claim or obtaining legal advice to clarify these deadlines. For a free consultation or evaluation of your case, call us toll-free at 1-866-540-0677.
The attorneys at Allan W. Ben P.C. frequently negotiate settlements and buyouts for our clients. A successful case usually results in reinstatement of benefits or a lump sum payment from the insurance company.
You can also review our ERISA/Long-Term Disability F.A.Q.