Disability Insurance Lawyer
Have you been injured or sick and don’t have the ability to make a living like you have all of your adult life? If so, and your long-term disability (LTD) insurance company denies you benefits, you need an attorney who will fight for your rights.
If you suffer an injury or a medical condition that prevents you from working, you understandably expect your disability coverage to be available to provide protection for you and your family. After all, your financial obligations don’t stop if you have been injured or are suffering from an illness.
The purpose of insurance is to provide the peace of mind that the word implies. Unfortunately, the insurance company providing the coverage doesn’t always do the right thing and pay claims.
Long-term disability insurance companies don’t act impartially like claims handled with Social Security disability from the federal government. These companies have a vested interest in the outcome of these claims, so they will do what they can to turn them down.
If you have purchased private disability insurance as an individual policy, it will be governed by state law. Roger Davidheiser is an expert in Washington State insurance law. However, if your claim is under an employer insurance plan, it is governed on the federal level.
ERISA Appeal Lawsuit
The employer-based long-term disability insurance is governed by the Employee Retirement Income Security Act (ERISA). This federal law was enacted to protect employees’ rights. However, it sets specific standards governing disability benefits that both you and your employer must abide by, including time limits for filing a claim. An attorney knowledgeable in these provisions will know how to advise you on how to proceed and give you the best chance for success.
If you are not able to work and you have long-term disability insurance, it’s never too early to hire an attorney to help you fight for your claim. There is the potential for plenty of complications and difficulties if you try to go it alone. Even a seemingly small misstep, such as an improperly filed form or saying the wrong thing to a claims adjuster, can have a major impact on your outcome. Don’t put your long-term disability benefits in jeopardy.
Attorney Roger Davidheiser is passionate about fighting for the rights of individuals who feel helpless against large insurance companies who will not hesitate to use their power to trample on the rights of individuals. If you have a disability claim that you feel is being unjustly turned down, call the law offices of Roger Davidheiser today.
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