A sudden illness or injury can put your career on hold and cause a great deal of stress about your future. For many workers, short-term disability (STD) coverage is meant to provide a safety net, covering a portion of lost wages while you recover. But what happens when the insurance company refuses to honor your claim?
At ERISA Insurance Claim Attorneys, our Austin insurance claims lawyers know how disruptive a denial can be. For 30+ years, our firm has helped workers secure benefits under ERISA.
Our firm is small by design, offering one-on-one support for clients who need the compassionate guidance and legal support only a short-term disability lawyer in Austin can provide
How Short-Term Disability Insurance Works
If you’re considering pursuing benefits with an Austin short-term disability benefits lawyer, you should know that this form of support is different from workers’ compensation.
It doesn’t matter whether your medical condition was caused by an incident that happened at work or away from your job. If your injury prevents you from doing your job, benefits may be available.
Most benefit plans share the following features:
- Coverage that provides benefits for a few weeks to six months
- Income replacement that provides 50–70% of your wages
- A brief elimination period, typically lasting one week, before benefits begin
- Qualifying conditions include injuries, surgery recovery, complications from pregnancy, or serious illness
Since these claims fall under the Employee Retirement Income Security Act (ERISA), the appeal process is governed by strict federal procedures, not state insurance law.
That’s why you’ll need to hire an attorney who has experience with these cases. We’ve helped countless clients secure short-term disability benefits, and we’re eager to get the results you deserve.
For a free legal consultation with a short-term disability lawyer serving Austin, call (225) 201-8311
How a Short-Term Disability Lawyer in Austin Can Help You
When you bring your short-term disability case to us, we handle all details and legal proceedings so you can focus on your health. Here’s what our Austin short-term disability attorneys will do to get the benefits you need to support your recovery:
- Examine the terms of your disability plan and answer any questions you have
- Collect detailed medical evidence and evidence that speaks to your inability to work
- Review your denial letter and explain why your benefits were denied
- Write an appeal letter to the insurance company
- Deal with the insurance company, so you don’t have to
- Pursuing benefits in court, if necessary
Because ERISA is such a technical area of law, having a lawyer who knows how to build a complete and persuasive claim or appeal is important.
Our team will take a detailed approach to your case, including all the evidence and information required to get a positive outcome.
Austin Short-Term Disability Lawyer Near Me (225) 201-8311
Why STD Claims Are Frequently Denied
Insurance companies are known for pushing back on short-term disability claims, even when the evidence and facts presented in the claim seem straightforward.
Our short-term disability attorney in Austin has experience working on appeals for claims that were denied for a wide variety of reasons.
You can count on our highly skilled team to combat any of the following reasons for a denial:
- Medical records don’t show objective proof of disability
- Your condition doesn’t meet the plan’s definition of a disability
- Your condition is pre-existing and, as a result, you are excluded from coverage
- There are gaps or errors in your paperwork
- The insurer’s doctors’ opinions conflict with those of your treating physician
These tactics can leave you frustrated and uncertain about your future. Fortunately, denials are not the end of the road, and they can be challenged.
Our team has an excellent track record that exhibits our ability to successfully overturn denials. Schedule a free consultation with us today to learn more about how an ERISA attorney can help you.
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Why Work With Our Austin Short-Term Disability Law Firm
Not every lawyer handles ERISA claims, and very few devote their practice entirely to this matter. At our short-term disability law firm in Austin, we exclusively handle ERISA disability claims and have the resources required to get the best results possible for you.
Here’s why hiring our team is the smartest choice you can make for your case:
- We focus solely on ERISA claims and do not split our time across unrelated practice areas
- Price McNamara has extensive experience on the insurance side, knows how insurers operate, and can draw on his knowledge to get real results
- We take an empathetic, client-centered approach to every case we work on
- Our firm’s relatively small size means clients receive close, personalized attention
- From electronic signatures to e-filing, we make the process of hiring and working with an attorney efficient and simple
- We use plain language to explain how ERISA law applies to you so you understand your case
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Talk to an Austin Short-Term Disability Lawyer for Free
The loss of short-term disability benefits can leave you and your family in financial jeopardy. The good news is that you don’t have to accept a claim denial or face the insurance company alone. At ERISA Insurance Claim Attorneys, we are committed to protecting your rights and helping you secure the benefits you’ve earned.
We work on a contingency fee basis, which means you won’t have to pay any fees if we don’t secure your benefits. Contact us now to schedule a free consultation with a short-term disability lawyer in Austin and take the first step toward financial support.
Call or text (225) 201-8311 or complete a Free Case Evaluation form