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Too much is at stake to guess about the best approach and strategy for fighting your denied insurance claim — years and years of financial security.
After spending years representing insurance companies, we don’t guess. We know their playbook and how they work behind the scenes. Using that knowledge, we’ve developed our own Clear Advantage Process for fighting claims.
It’s personally satisfying to use what I’ve learned as an insurance company insider, now for the good — helping families reverse unfair denials of insurance benefits they paid for, need and deserve.
People often take out an ERISA policy for long-term disability insurance benefits, in hopes that they will have coverage if they cannot work, due to the onset of a permanent illness or injury. However, insurance companies routinely deny long-term disability benefit claims for a variety of reasons.
If your insurance company has denied your claim for long-term disability benefits that are available through your employer-sponsored insurance plan, you have appeal options.
The long term disability appeals lawyers in El Paso at the Law Offices of J. Price McNamara can assist you with exploring your legal options and can represent you throughout every stage of the disability benefits appeals process.
There are several reasons why a claim for long-term disability insurance benefits may be denied. First, you may not have attached sufficient medical documentation to prove your right to benefits. In order to be eligible for these benefits, a healthcare provider must be able to establish that your long term disability prevents you from working in any capacity.
If the insurance company denies your disability benefits claim, it must send you a letter telling you exactly why. It must also outline the steps that you need to follow in order to file an administrative appeal of your claim denial.
If your claim for benefits has been denied, the first step in the appeals process is to file an administrative appeal. This type of appeal is handled directly by the insurance company. At this time, you can submit additional medical documentation in support of your claim for benefits.
The insurance company is required to allow you at least one opportunity to administratively appeal your disability benefits denial. However, some insurance companies might offer you two administrative appeal opportunities.
If the insurance company continues to deny your appeal, you then have the option of filing a complaint against your insurance company in federal court and pursuing litigation at the federal court level. At the conclusion of a federal court ERISA disability benefits case, a judge will determine whether or not you are entitled to benefits. Unfortunately, a jury trial is not available for these cases in federal court.
If you decide to appeal your case at the federal level, a long term disability appeals lawyer in El Paso will be able to assist you with filing your appeal and pursuing a favorable result on your behalf.
At the Law Offices of J. Price McNamara, our legal team can file a disability benefits appeal on your behalf right away. Let us help you pursue the disability benefits that you deserve through the ERISA appeals process. To schedule a free case evaluation and legal consultation with an experienced long term disability appeals lawyer in El Paso, please contact us online today for more information about how we can assist.
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