Your employer provided long-term disability insurance as an employee benefit, and you counted on it to cover you while you could not work after an illness or injury. However, your claim was denied, and you want to talk to an attorney about your options. Because the law that governs employee benefits—the Employee Retirement Income Security Act (ERISA)—is federal, you can contact an attorney in any state. Rather than looking for a local attorney, you need an experienced attorney. Regardless of where you live and work, you can contact Monast Law Office in Ohio for help with your ERISA claim.
Why Do You Need an Attorney?
Although ERISA was ostensibly enacted for the protection of workers, it actually makes appealing a denial very difficult. With strict deadlines, limited opportunity for presenting evidence, and tricky legal loopholes in insurance policies, it's almost impossible for a layperson to navigate the process successfully on their own. A law firm such as ours that accepts ERISA appeals will get to work doing the following for you;
- Meeting deadlines. You have a small window for filing an appeal after your initial claim is denied. We will act quickly to make sure you meet the deadline.
- Proving your appeal is valid. A denial will be overturned only if we can prove that the insurance company made a mistake in rejecting your claim. We will go through their process with a fine-toothed comb.
- Gathering evidence. We only get one shot at presenting medical evidence, proof of the insurance company's mistake, and other documents, so our team will get the claim file from your employer and build the case.
- Giving your appeal legitimacy. When an appeal is handled by a lawyer, the plan administrator or insurance company will take it seriously from the outset and might be more inclined to reverse its original decision.
You need your long-term disability benefits to get you through a tough time. Don't let an insurance company's mistake deprive you of the support you deserve.
Contact Us From Anywhere
If Aetna, MetLife, Cigna, Unum, or another company denied your claim for LTD benefits in any state, contact us for help. We needn't see you in person to review your claim and let you know if we can help with an appeal. Request our free resource, Don't Go it Alone: How Insurance Companies Sabotage Disability Claims, and fill out our contact form on this page or call us. We are here to help!