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Houston Long-Term Disability Appeals Lawyer

Houston Long-Term Disability Appeals Lawyer

If you recently became ill or disabled and have been unable to work, you may be worried about how you and your family will get by. Maybe your long-term disability plan denied your claim, leaving you out of work and out of luck. If so, it can be easy to feel hopeless and like there are no options left. The good news is that an experienced ERISA disability lawyer may be able to help you fight for the compensation and disability benefits you worked hard to earn. Do not give up without first contacting the Law Offices of J. Price McNamara. With offices throughout the country, we put the needs of our clients first. Give us a call to talk to an attorney today.

What ERISA?

Under the Employee Retirement Income Security Act of 1974 (ERISA), self-insured employers, including many large companies and unions, are required to be careful when administering funds that belong to the workers. When a large corporation or major employer collects monthly dues or insurance premiums from employees, they have a legal responsibility to manage those funds responsibly. This can be done in a couple ways. The employer can self-manage the funds, or they can outsource the responsibility to a professional plan administrator. This administrator acts like a trustee; they are a fiduciary. This means they are under a legal obligation to act in the interests of the people whose money they manage.

How Does Long-Term Disability Work?

If you become sick or physically impaired to where you can no longer work, you may need to draw disability benefits. For temporary conditions, such as a pregnancy, a minor surgical procedure, or recovering from a medical condition, you might use a short-term disability plan. These plans pay a portion of your income for a short amount of time to help you recover and get back to work.

On the other hand, long-term disability benefits are designed to help people who become disabled and cannot return to work for a longer period of time. Usually, these benefits will pay a percent of your income for a set number of weeks or months, depending on the plan and depending on how much coverage you purchased.

Why do So Many Insurance Companies and Employers Deny Disability Claims?

Unfortunately, many of these plan administrators and large employers (as well as the insurance companies who sponsor benefits) will work hard to avoid having to pay claims. Sometimes it is unintentional and due to lack of organization. Other times, it is an intentional and willful act, designed to hurt employees and push them out of the organization without compensation. While this might make the fund grow larger, it is a complete breach of trust and confidence.

What can be Done to Appeal a Denial?

If you are denied long-term disability by an employer or plan administrator, call the Law Offices of J. Price McNamara today. With offices in Houston and throughout the U.S., we are here to help disabled workers get the benefits they have earned. We have helped thousands of Americans, so give us a call to schedule a free case evaluation and find out if we can help you too.

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