Dallas has some of the hardest working people in the country. The Metroplex is a growing urban metropolis, with a constant flood of new companies moving in almost every day. With this growth, people throughout the region enjoy better jobs and better pay. Long-term disability benefits are among one of the best benefits enjoyed by many workers, especially laborers and factory workers who rely on these benefits to help them if and when they get hurt.
What happens when a person becomes seriously injured, ill, or disabled, and must take time off work to recover? After years of dutifully paying your premiums through payroll deductions, you would probably assume that you could just call your employer’s plan administrator and start getting disability payments. If that is what you think, think again. Here is how many long-term disability plan administrators handle claims. If you need help fighting for your hard-earned benefits, call an experienced ERISA disability lawyer today.
The Employee Retirement Income Security Act of 1974 (ERISA) was passed with the specific purpose of protecting the integrity of workers’ retirement and benefit plans. The law protects millions of Americans, from large corporations to union workers. Most large employers will have a third-party administrator who is charged with managing funds and administering the benefits responsibly. This is legally considered a fiduciary responsibility, meaning the administrator is under a legal duty to handle the funds responsibly and for the benefit of all participants.
In order to qualify to use your long-term disability benefits, you will likely be required to complete a number of forms giving your employer’s plan administrator access to your personal health records and allowing their claims representatives to communicate with your doctors. You will also be required to complete a claims form, notifying your employer of the reasons why you are unable to work and believe you need long-term disability payments.
Sadly, the vast majority of initial claims for long-term disability benefits are denied. This is true, even for completely valid cases in which the individuals have serious and debilitating injuries and chronic medical conditions that prevent them from working. While this can be extremely disheartening, there is hope. Many Americans have been able to fight back and obtain the disability benefits that they deserve.
An experienced ERISA lawyer can evaluate your case to determine if you were improperly denied benefits. If so, then you might be entitled to file a lawsuit against the insurance company or the plan administrator in order to force them to honor their agreement. Remember that insurance is a contract, and if you met your side of the deal, so should they.
For help appealing a benefit denial, call the Law Offices of J. Price McNamara today. When you are living with a disability and are unable to work, you should not have to come up with expensive legal fees. With this in mind, our firm will advance all the costs of fighting for justice, and we will only take a fee if we succeed. Give us a call to learn more and to schedule a free case evaluation today.
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I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
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