We all expect that we will one day die, but not many of us are prepared for the possibility of disability. Disability can happen to anyone at any time. A 35-year-old has a 50% chance of becoming disabled by age 65. There are nearly 8 million disabled adults in the United States.
Many of us have long-term disability coverage through our employers. These plans are covered under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA sets standards for plan administrators so that plan participants get the protection they need. The money is there when they need it—or so they think.
Unfortunately, many ERISA disability claims get denied. This means disabled people often go without the money they desperately need to survive. In fact, a disability can wipe out a person’s savings in less than one year. About 46% of home foreclosures are caused by a disability.
Many disabilities are long-term, such as head injuries and spine injuries. Heart disease and arthritis are also common. Many suffer mobility issues and are unable to walk. They suffer limitations and cannot engage in their hobbies.
Disability can also cause strains on relationships. Having to care for a disabled spouse or child can lead to an immense amount of emotional stress and tension. It can be a 24/7 job. In many cases, it even leads to divorce.
A disability can lead to isolation. Those with mobility issues may not be able to leave their homes. They are stuck inside their homes and lack social interactions with others. They become reclusive. This can lead to depression.
Suffering a disability is stressful enough. You should not have to deal with financial and family issues, as well. By filing an appeal against a denied claim, you can seek approval and get the benefits you need to pay for medical bills and living expenses.
You may be overwhelmed. How do you even go about filing an appeal? The first step is to hire an ERISA lawyer. Lawyers have experience dealing with these types of claims and know the process. They understand what works and does not work and will work diligently to help you get your claim approved.
There are many rules and deadlines involved in ERISA claims, and they are strictly enforced. You may not be aware of all the regulations involved. As such, you need professional advice. Do not file an appeal without an Atlanta ERISA lawyer on your side.
A disability can change your life forever. It can affect your life and finances in a variety of ways. You could face dire straits, leaving you without a job, a home, or even your family.
Disability claims are often denied under ERISA. While the appeals process is available, it is not easy to win. Do not deal with this on your own. An Atlanta ERISA lawyer from the Law Offices of J. Price McNamara can poise you for success. For the best chances of success, contact our office today to schedule a free consultation.
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