It's easy to think of your employer-provided long-term disability insurance as a safety net that will be there if you're unable to work due to an illness or injury. After all, that’s what was promised when you opted in and paid your premiums, right? Unfortunately, the insurance companies that provide this coverage will do anything they can to deny your claim, leaving you high and dry when you need the money to pay bills.
Read Our Free Book to Find Out What to Do If Your Claim Is Denied
Most long-term disability (LTD) policies offered by employers are governed by a set of federal laws known as the Employee Retirement Income Security Act (ERISA). While this act was passed nearly 50 years ago to protect employees from poorly managed benefit plans, it actually serves to complicate the process of filing an appeal if LTD benefits are denied. An attorney can help if your claim is denied and you need to appeal the decision, but it’s not easy to find an attorney who accepts ERISA cases.
However, Columbus attorney Jim Monast takes ERISA appeals, and he's written Don’t Go It Alone: How Insurance Companies Sabotage Disability Claims. This free book helps you understand the ERISA process and details the challenges ahead if your LTD claim is denied. He covers a variety of topics, including:
- Which plans are covered by ERISA
- The difference between LTD and Social Security disability
- Tricks used by insurance companies to deny your claim
- How your doctor’s words may be used against you
- How an attorney can help you file an appeal
- When you might need to file a lawsuit to get the benefits you deserve
This helpful guide also discusses what to look for in an ERISA disability attorney and explains how important it is to seek legal counsel as early in the appeal process as possible.
Request Your Copy Today!
Fill out the form on this page, and you'll receive an email with a link to download this valuable resource. Whether you've filed a claim and been denied, or you want to learn more about the process just in case, this guide is for you.