In the event that you become disabled, would you be prepared? Does your employer have a long-term disability plan in place? If so, would it cover your expenses? Would your claim even be approved?
This is something to consider. Many employer plans are covered under a federal law called the Employee Retirement Income Security Act of 1974 (ERISA). ERISA is supposed to help plan participants and ensure that their rights are protected. It does not always work, however.
In an ideal world, you would file a claim and receive your benefits in a timely manner. Sadly, this is no reality when it comes to ERISA disability claims. Even if your claim is submitted properly and you have a bona fide disability, you could still face a denial. In fact, denied claims are more common than approved ones. If your claim is denied, the good news is that you can file an appeal. The bad news is that it is easier said than done.
Insurance companies do not want to give up their profits. They do not care that you are hurt and suffering. They do not care that you can not work and earn income. They want you to lose your case, no matter what. They make the appeals process extremely complex. The only way to get around it and prevail is to get help from someone who understands the system. This is where an experienced ERISA lawyer comes in.
Chances are, you have no clue what ERISA does and how the process works. ERISA lawyers know the process inside and out. They are also familiar with the appeals process, so if your claim is denied, they know how to move the claim forward. They know all the laws and deadlines involved. They can help you understand why your claim was denied so you can avoid future denials.
ERISA lawyers have experience battling insurance companies. They can prepare your case by uncovering as much evidence as possible to prove your disability. They understand the time and resources needed to prepare a strong case.
It is unlikely that you will succeed in winning an ERISA disability case on your own. ERISA is a highly complex area of law. This is a not a simple case. Increase your chances of success by consulting with an experienced and aggressive ERISA attorney who will fight for your rights.
ERISA is in place to help you, but that is not always the case. Less than one-quarter of all ERISA disability claims are approved. Those odds are not good. Increase them with help from an experienced ERISA lawyer.
If your claim has been denied, you will want to file an appeal. A Nashville ERISA lawyer from the Law Offices of J. Price McNamara can help build the best case possible for you. As a former insurance attorney, J. Price McNamara knows the ins and outs of disability claims and can increase your chances of success. Schedule a free consultation by contacting our office today.
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