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Phoenix ERISA Lawyer

Phoenix ERISA Lawyer

If you have suffered from a long term disability, you have certain protected rights and the ability to collect benefits under your employer’s disability policy, which is governed by the Employee Retirement Income Security Act (ERISA).

However, there is an inherent conflict of interest involved in the process in that insurance companies are the ones that both review your application and pay out benefits; therefore, it behooves them to find some loophole with which to deny your claim.

Below, we discuss some of the reasons insurance companies will deny long term disability claims. However, you should speak with one of our experienced Phoenix ERISA Lawyers to find out more and to obtain help with your claim. We provide free case evaluations and work on a contingency fee basis.

Reasons Insurers Deny Claims

A number of claim denials that we regularly work with are arguably unreasonable. Here are some of the common reasons we see cited:

  • Claimant does not fit the covered definition of “disabled” in that they can work in another occupation other than the one they were in;
  • Claimant misrepresented a fact on their application, such as their income history or previously existing medical conditions;
  • The condition itself is not covered under the policy;
  • The policy does not cover disability benefits beyond 12 – 24 months or a particular age, either in general or for that particular disability;
  • Claimant submitted forms too late/past the deadline;
  • There was not enough objective medical evidence provided; and/or
  • There was fraud involved, as their own internal investigation revealed that claimant was capable of performing job duties that he or she claimed otherwise.

Contact Our Arizona ERISA Attorneys to Find Out More

At the Law Offices of J. Price McNamara, we work with clients who have not yet filed their applications, those who have filed and have been waiting a long time for a decision, as well as those who already heard back and were denied coverage. In fact, we regularly see a number of clients who have been denied benefits when, instead, they should appeal and obtain what is owed to them. Contact our Phoenix ERISA Lawyer today to find out more.

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