Applicants for long-term disability benefits are typically applying because they are suffering from a serious illness or injury that they believe prevents them from working. In many first-time application cases, however, the insurance company denies these benefits. The possible reasons why an insurance company might deny a long-term disability benefits application are too numerous to name. However, it is important to know that if your benefits have been denied (once and sometimes twice), there are legal avenues you can take to pursue those benefits.
Attorney J. Price McNamara of the Law Offices of J. Price McNamara has significant experience representing individuals whose long-term disability applications have been denied. He can explain to you all of your available legal options and can ensure that your legal rights remain protected. Please contact us online today to learn more about how we could help with your case.
In cases where an insurance company denies you long-term disability benefits after you have applied, the insurance company must send you a letter detailing how and why it reached its decision. If the insurance company denied you benefits because your application package was incomplete, you must provide supplemental documentation if you decide to appeal the denial decision. In many instances, this means supplying additional medical documentation and reports, including the following:
Remember, in order for you to be awarded long-term disability benefits, the application materials must support that you suffer from a long-term illness or injury – and that you are unable to work. If a particular healthcare provider is not willing to make this kind of opinion, you should find a doctor who is, and make sure to include all of the relevant supporting documentation in your application materials.
The denial letter must also state the number of administrative appeals to which you are entitled (at least one), as well as the steps you should take for appealing your denial. If you fail to file the timelines and other steps for appealing your denial, it is extremely likely that the insurance company will deny your benefits again. An experienced Dallas long-term disability denial lawyer can review your denial letter and work to obtain the necessary documentation necessary for you to successfully appeal your claim. Your lawyer can then ensure that all of the appeal documents are filed in the proper manner and can represent you at any hearings.
Once you have exhausted your administrative appeals, an experienced attorney could assist you with litigating your case in the federal court system.
Being denied long-term disability benefits – especially when you feel you need them – can be an extremely frustrating experience. Attorney J. Price McNamara of the Law Offices of J. Price McNamara can explain all of your options following a benefits denial and explain your potential options for moving forward.
To schedule a free legal consultation and case evaluation with an experienced Dallas long-term disability denial attorney, contact us online today to learn more about how we could assist.
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