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Bay City, Texas Long Term Disability Lawyer

Bay City, Texas Long Term Disability Lawyer

ERISA, the Employee Retirement Income Security Act, protects employees and their beneficiaries if they become disabled; whether that occurs on the job or not. The law covers approximately 141 million workers and beneficiaries–i.e.those who are not covered by privately-purchased disability insurance.

Unfortunately, because ERISA claims are submitted directly to the insurance companies, they are too frequently unfairly (and illegally) denied. At the Law Offices of J. Price McNamara, we focus on helping those who are filing for or who have been denied long term disability benefits under ERISA. Our long-term disability attorneys know all the tricks that insurance companies pull, and we care deeply about our clients. Contact us today for a free consultation to find out more.

What You Should Know About ERISA

How your particular policy defines “disability” will be instrumental to the successfulness of your claim, which is why working with an attorney to ensure that you understand and follow the fine print in your application is so important.

This also applies to what other avenues must be explored before you apply for long term disability. Most plans require that you first use up any sick time and short-term disability before you file for long term disability benefits. They may also require that you file for Social Security Disability Insurance, and can differ on how much you will receive in monthly benefits; as well as how long you can receive benefits.

Your Right to Appeal Denials

Because long term disability applications go to the insurance companies, it should come as no surprise that they are frequently denied. However, every policy provides for an internal appeals process, and once you have exhausted this process, you can file a case in federal court. Still, you want to make sure that you and your attorney submit a significant amount of paperwork from the get-go in your initial application, as the judge will base their decision on the existing administrative record.

Contact Our Bay City, Texas Long Term Disability and ERISA Attorneys to Find Out More

Our attorneys answer any and all questions you have FREE OF CHARGE, and we also offer free comprehensive case reviews. We then handle your case on a contingent fee basis, which means that we do not receive any compensation unless and until you win and are paid your disability. Contact us today to find out more.

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