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Long Term Disability Attorneys in Houston

Long Term Disability Attorneys in Houston

Assisting Houston Citizens with Filing a Claim for Long-Term Disability or Appealing a Claim Denial

Suffering from a long illness or injury can be debilitating, and it is very likely that you may be unable to work for a long period of time. If you are suffering from a medical condition that prevents you from working at your current job – or at any occupation – then you might be eligible to file a long-term disability claim. Moreover, if your insurance company has denied you claim for some reason, then you could file an administrative appeal or even file a lawsuit in federal court. 

Houston long-term disability attorney J. Price McNamara of the Law Offices of J. Price McNamara can determine if you are eligible to pursue a claim or appeal for long-term disability benefits and can assist you through every step of the process. Contact us online today to discuss how we might be able to assist with your initial claim filing or appeal. 

Claim Eligibility Requirements

For you to be eligible to file a claim for long-term disability, you must suffer from a long term injury or illness that prevents you from working. Your disability must be evident in the medical records which are presented as part of your claim, including doctor reports, imaging studies, and other pertinent documentation. If the necessary records are not included, the insurance company will not hesitate to deny your claim. 

Moreover, the medical records in your file should include information about any specific impairment from which you suffer, as well as any special limitations you have, including limitations that impact your daily living.

Appealing a Denial of Your Claim

If the insurance company denies your disability benefits application, you may be eligible to file an appeal of that decision. You could appeal the adverse decision one or two times, depending upon the language in the insurance policy. Moreover, you must be provided with at least 60 days to file your appeal, although some insurance policies provide for a longer time period. 

In determining what you should include as part of your appeal package, you should refer to the denial letter which your insurance company sent you. That document should include information about your appeal rights, time periods, and the documentation you must include to increase your chances of being successful on appeal. If you are not successful after appealing a claim denial, you might be able to file a lawsuit against your insurance company in federal court. 

Call a Long-Term Disability Attorney in Houston Today

The process of obtaining and appealing long-term disability benefits can be complicated. If you are contemplating filing a claim for long-term disability benefits – or if you are planning to appeal your claim denial or file a lawsuit – attorney J. Price McNamara of the Law Offices of J. Price McNamara could assist. For more information about the process, and to schedule a free legal consultation and case evaluation with an experienced long-term disability attorney in Houston, contact us online.

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