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Charlotte Long Term Disability Lawyer

Charlotte Long Term Disability Lawyer

If you are denied long term disability insurance by your employer or insurance company in Charlotte, call an ERISA disability lawyer who can help you appeal your denial and get the benefits you have earned.

A lot of American workers do not realize that their health, dental, and disability insurance plans may not actually be administered by the insurance company. In fact, the funds may be collected by the employer and pooled together with funds from hundreds or even thousands of other workers in a third-party trust that is administered either by the employer, a union, or even a contracted administrator.

Unfortunately, it has become standard practice for these insurance companies and their third-party administrators (TPAs) to outright deny almost all long term disability claims filed by deserving American workers. At the Law Offices of J. Price McNamara, we know this is wrong, and we are willing to fight back for our clients.  

Who are Third-Party Administrators (TPAs)?

A major legislative scheme was created over 40 years ago when Congress passed the Employee Retirement Income Security Act of 1974 (ERISA). This law was created with the purpose of protecting American workers from unscrupulous employers and their insurance companies. For decades, large companies had mismanaged funds collected from employees, leaving workers to reach retirement with little to no money remaining in their investment accounts and pensions.

Today, many of the largest employers in the country opt to use third-party administrators to act as managers who handle the funds and distribute money to pay claims in a responsible and economically feasible manner. Some of the biggest third-party administrators in the country include:

  • Sedgwick Claims
  • Gallagher Bassett
  • Broadspire
  • Meritain

There are plenty of others, but if you work for a major employer, chances are one of these TPAs may be administering your long term disability plan.

Why do Insurance Companies Deny Long Term Disability Claims?

There are two broad ways that insurance companies and plan administrators deny claims for disability benefits:

  • Technical Denials: This is when you fail to notify your employer in time or you miss deadlines or other technical plan requirements that may or may not be clearly outlined in your plan materials. In other words, there are countless technicalities upon which these companies can rely when looking for excuses not to pay.
  • Medical Denials: In order to qualify for long term disability, you will need your healthcare providers to certify that your medical issue meets certain specific conditions. Some doctors may not be well-versed in the rules and regulations of long term disability plans, thus their reports may lack the type of specificity needed. Or, your claim may lack a clear explanation of why or how your medical issue directly limits you from performing the type of work you normally do for your employer. These can trigger denials.

Your Appeal Rights

Under ERISA, you are entitled to appeal a denial. Your long term disability plan materials will include specific rules and procedures for filing an appeal. However, the law also allows workers to file a lawsuit to enforce their plan contract.

How to Get Help

If you are facing a denial of long term disability benefits, do not wait too long. Call the Law Offices of J. Price McNamara today. A single phone call is all it takes to schedule a free case evaluation with a skilled and experienced ERISA long term disability lawyer.

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