ERISA Long-Term Disability Claims

1. Look at your policy. You need to understand the type of policy or benefits plan you have.  Each plan will cover things a little differently, so know what is in your plan.

2. Know what is covered. Policies do not cover every injury or condition the same way. You need to know what may be excluded from the plan.

3. Understand the process. We can help you understand the process involved in filing a claim, appealing a claim, and even future litigation depending on the type of plan you have.

 We help ensure that you submit the right materials to have the best chance of success with your claim. And if your clam is denied, we will help you file an appeal. 

In the appeal claims process, you have one opportunity to submit a comprehensive appeal to your insurer. The key is to gather all of your records and other evidence so we can explain your condition and why you are covered.  If you do not  have all of the information to present, or you do not explain why the records demonstrate that you should be covered, then you will not have an effective appeal.

We help you make sure that you have all of the information, that you appeal on time, and that you make a convincing argument to the insurance company about why there is coverage. We will walk you through that process and write an appeal for you incorporating all of your information, the relevant policy language, and persuasive legal arguments.

If the administrative appeal is unsuccessful, you can file a lawsuit against the insurer. We will file a lawsuit on your behalf and seek the maximum amount of benefits for you. Lawsuits are subject to certain timing and jurisdictional requirements (i.e., when, where, and how to file), and we will guide you through that process.