Long-term disability (LTD) benefits might be vital for injured people who acquired a disability that keeps them from working. If a disabled individual files a claim that their insurance company denies, they might fear that they are out of options. A disability lawyer might be able to provide assistance after a Lafayette long-term disability insurance denial.
Experienced attorneys understand what is at stake when an individual is pursuing benefits for disability. Consequently, they could work tirelessly to help you gather additional evidence to support a claim for reconsideration.
An LTD applicant who receives a denial letter may wish to consider pursuing an appeal. It should be noted that each policyholder’s specific insurance plan should contain information regarding the appeals process that may vary from one plan to another. Given this and other nuances, a person considering appealing a denial may wish to speak to a knowledgeable attorney regarding deadlines and requirements for long-term disability insurance.
While providing sufficient evidence is a crucial aspect of the appeals process, many people do not realize that if they file a lawsuit pursuant to ERISA, a judge at a later stage of appeals might not allow them to submit additional evidence for consideration. As an alternative, a judge might only review the records an applicant initially submitted to their insurance company. For this reason, it is notably important to submit medical opinions and reports and all relevant evidence during the initial stage of appeals.
As an example, if an individual has sought medical treatment and complied with a physician’s suggested plan, the related medical records might support a disability claim. A vocational expert might also provide an opinion regarding the job market and an individual’s earning potential, and a disabled claimant may also wish to provide witness affidavits. Speaking with a Lafayette attorney seasoned in handling long-term disability insurance denial cases could be greatly beneficial for applicants.
ERISA mandates that plan administrators have reasonable processes and procedures in place for administrative appeals. Because of this, a claimant must initially exhaust all other options for internal appeals before they can file a lawsuit. ERISA also requires that plan administrators provide notice of denial within a reasonable amount of time, and must note the reasons and provisions on which they made the denial.
As a claimant proceeds through the appeals process, it could be important to have these reasons in writing. While ERISA provides certain protections for claimants, those seeking LTD benefits may also need to adhere to the strict deadlines and procedures under their insurance plan. If a claimant complies with procedures and requests, undergoes each step of the appeals process, and still receives an unfavorable result, they might still be able to demand Lafayette long term disability benefits through a lawsuit following their insurance denial.
If you are seeking aid after an injury or illness and were denied benefits, consider contacting a lawyer who is experienced with Lafayette long term disability insurance denials. You deserve to have another opportunity to pursue your needed benefits, and a proactive disability attorney might be able to help gather the necessary evidence to file a persuasive appeal.
To have the best chance of success, it could be important that you are aware of your options and the proper methods available for pursuing. To learn more about how you might continue seeking LTD benefits, call today.
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