All too often, insurance companies deny applications for long-term disability. This is not uncommon – especially in cases where an individual is applying for the first time. If you have been denied long-term disability benefits, there are certain legal steps which you can (and should) take, and which an experienced Houston long-term disability denial attorney can assist you with.
Attorney J. Price McNamara of the Law Offices of J. Price McNamara understands the confusion and frustration that is often associated with a long-term disability claim denial and can answer any legal questions you may have. Attorney McNamara could then help you address your concerns by appealing the claim denial or your behalf and explaining your other legal rights and options to you.
If your claim for long-term disability benefits has been denied, you are probably wondering why. In many instances, long-term disability claims (especially initial claims) are denied because of insufficient medical documentation. Remember that the medical documentation provided must establish both of the following elements:
If the medical documentation provided does not fully support both of those elements, it is very likely that your claim will be denied. Your claim might also be denied for failing to follow certain administrative or procedural requirements. In order to determine exactly what went wrong with your claim, you should read the denial letter thoroughly and show that letter to your attorney. That way, an attorney can help to ensure that the same efficiencies aren’t present when you go to appeal your claim denial.
If you have been denied benefits, you may have one or two levels of administrative appeals which you can (and should file). If you are pursuing benefits under an ERISA plan which is sponsored by your employer, you are required to first exhaust your administrative appeal remedies prior to filing an ERISA lawsuit in the federal court system against your insurance company.
Even if you are pursuing benefits under an individual insurance plan, it is still advisable to exhaust your administrative remedies prior to pursuing costly (and lengthy) litigation in the federal court system.
If you are interested in pursuing a long-term disability claim under a private insurance policy or under an ERISA policy, you should look no further than Attorney J. Price McNamara of the Law Offices of J. Price McNamara. Attorney McNamara can assist you with all aspects of the claim filing process and can assist you with appealing an unfavorable decision by the insurance company if that occurs.
To schedule a free legal consultation and case evaluation with an experienced Houston long-term disability denial lawyer, contact us online for more information about how we could help you today.
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