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Have you been denied insurance benefits? The unfortunate reality is that denials are more common than you may think. Luckily, help is available. Experienced Monroe ERISA Disability Attorney and former insurance company lawyer J. Price McNamara can guide you through the process. Disability insurance claims are notoriously complicated and can be challenging to navigate on your own. Insurance companies have experienced lawyers working on their behalf – and you should too.
Long term disability insurance is designed to protect people and their families financially in the event that they become disabled and are unable to work. If you have long term disability insurance in Monroe and are injured or otherwise become disabled, you will need to meet the insurance company’s definition of disabled In order to qualify to receive benefits.
This gets complicated because each and every long term disability policy can have a different definition of “disability”. Even if you have been found to be totally and permanently disabled in a separate claim (such as for Social Security disability), you may not necessarily meet the very specific disability definition that your insurance company has outlined in your policy.
Coverage from long term disability insurance will depend on the exact terms of the individual policy. Payouts are generally calculated on a percentage basis of the person’s salary from before they were injured or otherwise became disabled. Usually, this will fall somewhere in the 50% to 80% range. Depending on the policy’s specific terms, additional income the policyholder was earning (such as commission or consistent overtime) will also be taken into consideration for that calculation.
The length of time you will be eligible to receive long term disability payouts in Monroe is largely dependant on the specific terms of your policy. Long term disability policies are designed to offer payouts for a longer period of time than short term disability insurance policies. Payouts will either last for a pre-specified number of years or will end when the insured person reaches a particular age (often 65 when they will then be eligible for other benefits such as Social Security).
The unfortunate reality that many people in Monroe face is that accessing benefits, particularly from a disability insurance policy, can quickly become a frustrating and confusing process. It is important to keep in mind that insurance companies are for-profit and will be quick to issue a denial immediately if they find any reason to – no matter how small. Denials will be issued due to missed deadlines, lack of documentation, or a host of other reasons. An experienced ERISA attorney will be able to review your situation and help you understand the reason for your denial – as well as your path forward.
If your long term disability claim has been denied, it is not the end of the road. The insurance company will provide you with an explanation in writing, along with instructions on how to appeal their denial. Unfortunately, the appeal process is not easy to maneuver if you have never done it before. Due to ERISA (the Employee Retirement Income Security Act of 1974), all plan administrators need to have an internal appeals process for handling disputes, and this process is never straightforward. An experienced Monroe disability lawyer will be able to help you navigate these steps in order to make sure you receive the benefits you deserve.
ERISA is the Employee Retirement Income Security Act of 1974, which is a federal law that sets minimum standards for employer-sponsored retirement and health plans in order to better protect the individuals who join these plans. These protections make sure that employers can’t take back benefits due to financial hardship, and also make sure that the employees are not going to suffer due to mismanagement of the plan.
These protections are necessary, but the act also caused the process of appealing a denial to become considerably more complicated. ERISA law is notoriously complicated and has been amended numerous times. Only a lawyer who is specifically experienced with ERISA in Monroe will be able to walk you through the appeals process in order to make sure you receive benefits.
If you’ve been wrongfully denied insurance coverage, you may be frustrated and feeling more than a little confused about what steps you should take next. The laws regulating insurance companies are complex and can be incredibly difficult to understand without specific legal knowledge. Luckily, help is available. As an experienced Disability Attorney in Monroe, we will review your case for free and help you and your family get back to financial security as soon as possible.
How long it takes to get awarded disability benefits with the assistance of an attorney will depend on the complexity of your particular case and your unique situation. Some simpler cases can be resolved in as little as a month, while other, more complicated cases, can take upwards of 3 years. An experienced disability attorney in Monroe will be able to review your case and give you an estimate for how long they think it should take to get a favorable resolution.
If you are facing a disability denial in Monroe and are looking to make an appeal, it is always worth it to at least speak with an experienced attorney about your situation. A good attorney will offer a free case review in order to discuss the details of your situation and advise you on your best path forward. Insurance law is complicated, and going at it alone could mean you end up getting fewer benefits than you deserve.
The cost of hiring an attorney in Monroe to help with your disability case will depend on the specifics of your particular case. Before choosing an attorney, you should make sure you understand how their fees will be assessed. Most attorneys in Monroe who work with ERISA law will offer a free consultation, but make sure that they also can provide a guarantee they will not charge a fee if they do not win your case.
This has been a very difficult time for myself and my family. Mr. Mcnamara did his best to be as empathetic and compassionate as possible. He is very knowledgeable and a man of great integrity.
This has been a very difficult time for me and my family, but Mr.Mcnamara has been very empathetic and understanding. He is extremely knowledgeable and a man of great integrity. I truly appreciate everything he did to make this as Tolerable as possible.
I am so thankful Price was my attorney during this difficult time in my life after losing my fiance. He made me feel very comfortable I trusted that he had my best interests in mind. I highly recommend him I was truly blessed to have had him help me fight for what is mine.
I would like to take a moment to thank Mr. Price McNamara for the leadership of legal counsel aid him and his staff showed through the entire process of working with me with my Disability case. I will highly recommend Mr. Price McNamara to anyone that needs someone that is outstanding to fight for their
Price was instrumental in assisting me through the disability process. Without his help and guidance , I do not think that I would have been successful !!!! Thank you Price.
Mr Price is great attorney with great skills and lot of experience. But BEST QUALITY he has that he is wonderful human being he care for your family and you as a human being. My family thanks you very much. GOD bless you and your staff.
The law firm of Price McNamara has successfully settled our law suit when other attorneys said that we had no case Price assured us that we did and in eight months he was able to negotiate a settlement that we were told that we could not get. I highly recommend his law firm and I
I want to say thanks to J. Price McNamara for the sound free advice he gave me related how to increase my chances of being approved for Long Term Disability of being denied. I must say after implementing elements of his sound advice such as showing the insurance company proof of how my illness/disability had
I needed an attorney with a specific specialty and Price McNamara was definitely the right choice. His representation was based on principles that are probably unsurpassed by any other attorney in the field. McNamara represents individuals, not big-money corporations, like so many others in his field of specialty. He is a consummate professional, extremely knowledgeable
I found Mr. McNamara to be practical and efficient. He did what I needed in a reasonable amount of time, keeping me well informed and with excellent results. He communicated with me clearly and on a timely basis. I will use him in the future.
I am a current client of Mr. McNamara’s. He is very accessible and responds to my emails and phone calls in a timely manner. I find him to be very professional and knowledgeable, as well as ready, willing and able to address all of my questions and/or concerns.
I am an attorney. Price represented me, and in a separate suit represented my daughter, for injuries. He moved the cases at lightning speed and obtained maximum recovery. I was grateful and surprised. I would recommend Price to anyone who wants a top-notch attorney who gets results.
I would recommend Mr. Mcnanmara to anyone at any time. He was the best attorney that my family and I came in contact with. About three years ago we had a very tragic, accidental death in our family and the company knew that it was their fault but of course tried passing the buck. Mr.
Price and Sara are great. They helped us in a time of need. Their communication was always spot on and I never felt out of the loop with what was going on with our case.
Price is very professional, honest, and reliable. Whatever he says, he will follow through with the utmost integrity. He will turn over every stone and pays close attention to even the smallest detail. I’m glad I secured his services.
Without going into the painful details regarding the reason for having to hire Price, his compassion and communication helped my family during an extremely difficult time. If you need legal help because you or a family member was injured by something or someone else, don’t hesitate to call him.
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