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Austin Long Term Disability Lawyer

Austin Long Term Disability Lawyer

Like any insurance benefits, disability plans are designed to help you when you need them most. You pay regular premiums with each paycheck, and those premiums purchase certainty. You are buying comfort and reassurance, knowing that if a tragedy were to happen, you would be entitled to recover those benefits to help support your family. This is why it is so frustrating when long term disability insurance carriers decline to extend benefits to deserving people.

If you or a loved one have been unfairly denied long term disability benefits in Austin, call the Law Offices of J. Price McNamara to schedule a confidential, free consultation. Being denied does not mean the end of your fight. Those who hire an experienced attorney often succeed in getting compensation after a denial.

Understanding Long Term Disability Insurance?

A federal law known as ERISA was passed decades ago to protect workers and their rights to certain benefits. The law does not apply to all employers or employees, but it does cover many large employers and unions. Your health plan or disability insurance plan brochures will usually include language that tells you if your plan is governed by federal ERISA rules.  

A long term disability plan allows you to pay regular premiums and if you become disabled, you can claim temporary disability benefits at a set percentage of your income. These benefits can make the difference between making mortgage payments and utility payments. If the disabled individual is the primary breadwinner for the household, these benefits can be crucial to one’s financial survival.

Why Insurance Companies Deny Long Term Disability Benefits

Insurance companies do not make money by paying claims; they make money collecting premiums. Therefore, it may come as little surprise that insurance companies make it a priority to look for any legal justification to deny payments to even the most deserving individuals. But you do not have to give up without a fight. Here are just a few examples of excuses insurance companies use to deny benefits:

  • Technical Denials: Perhaps your insurance contract has a deadline on notifying your employer or the insurance carrier. If you miss the deadline by even a day, you could be legally denied benefits
  • Inadequate Medical Evidence: In order to qualify under your insurance contract, you will be required to show that your disabling condition meets specific guidelines. Sometimes physicians may not fully understand the language needed in order to trigger your benefits or the report may be weak on explanations.
  • Bad Faith: When an insurance company willingly chooses to decline payments, despite clear evidence, it may even be considered bad faith. This is a form of breach of contract, where you may have a right to sue your own insurance company for violating the terms of your insurance contract.  

How an Austin Long Term Disability Attorney can Help

At the Law Offices of J. Price McNamara, we know that a disabled worker who is unable to earn a living due to a serious medical condition may be living on a tight budget. For this reason, we will never ask you to come up with attorney fees in order to get the help you need. Call or visit us online for a free case evaluation, and speak with a skilled attorney today.

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