Here is a startling fact: 25% of all workers will, at some point during their careers, experience a disabling accident, injury, or illness. Employees who have an Employee Retirement Income Security Act of 1974 (ERISA) disability benefit plans often struggle to understand the complicated regulations governing the benefits and employees’ access to them. That is why enlisting the assistance of a local ERISA attorney can be an essential step in obtaining the benefits you deserve following a disabling accident or illness.
Federal law requires employers to inform employees about the disability benefits to which they are entitled. This should include:
Companies choose specific language in their contracts in order to define covered disabilities. Even if they approve your claim, you must undergo a waiting period before receiving long-term disability benefits. Once you start getting this support, be aware that the money may be taxable. At any rate, the benefits may be offered as an offset to Social Security Disability benefits and may be limited as to the length of time for eligibility.
Within 45 days of filing a claim, employees must hear back from the insurance provider on their decision. If the claim is denied, a written explanation must be provided. At this point, employees must decide whether to accept the determination or to fight back.
At the Law Offices of J. Price McNamara, our legal team handles these situations every day. We understand that from the perspective of the insurance provider, limiting payouts makes great financial sense. They may be looking for any reason to deny you the coverage you need, including challenging a physician’s report, denying that your medical problem is eligible for coverage, or disputing the documentation submitted. They may try to narrowly define terms of your contract in order to give them cover in the denial process. We know precisely how to proceed to fight for the benefits you need and deserve:
If you are part of the unlucky one-fourth of Americans who have experienced a short or long-term disability, we believe you are entitled to support. At the Law Offices of J. Price McNamara, we will intervene when bad-faith insurers balk at providing the benefits you deserve. Contact us today in Greenville for a consultation about your case.
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
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.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
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