At ERISA Insurance Claim Attorneys, we have over 30 years of experience handling one thing: ERISA disability claims. As a Short-Term Disability lawyer in San Antonio, we bring unique insight from both sides. Our lead attorney worked for insurance companies and has guided family members through their own ERISA disability claims.
When your benefits stop or your claim is denied, you need clear answers. Our San Antonio office helps you understand your rights and options under ERISA law. Every team member knows firsthand the worry that comes with benefit interruptions. We’ve been there personally and professionally.
Our San Antonio insurance claims lawyers have more than 30 years of combined experience. We focus on getting your short-term disability benefits approved. Call us today to discuss your case.
You Have the Right to Appeal a Denied Short-Term Disability Claim
Many people make the mistake of accepting a short-term disability denial as final. Insurance companies frequently deny valid claims, but an appeal with proper evidence and legal support can overturn their decision.
Our San Antonio short-term disability attorneys regularly help clients obtain benefits after initial denials. We also assist those who were initially approved but had their benefits terminated early when the insurance company decided they should return to work.
Remember, insurance companies count on people giving up after a denial. Don’t let them win by default. At ERISA Insurance Claim Attorneys, we have extensive experience challenging denials from major insurance companies. Let our San Antonio attorneys review your case and help fight for the benefits you deserve.
For a free legal consultation with a short-term disability lawyer serving San Antonio, call (225) 201-8311
Reasons for Short-Term Disability Claim Denials
Insurance companies often deny short-term disability claims due to paperwork and filing issues. Missing documentation ranks among the top reasons for a denial. Your medical records must show clear proof of your condition and its impact on your work abilities. Each piece of paperwork matters.
The following reasons can lead to short-term disability claims denials:
- Missing a filing deadline: The Employee Retirement Income Security Act (ERISA) law sets strict timelines for filing claims and appeals. Missing these deadlines by even one day can result in a denial.
- Insufficient medical evidence: Medical evidence requirements vary by plan. Your doctor’s statement alone may not meet the plan’s standards. Insurance companies look for specific test results, treatment records, and detailed functional limitations.
- Differences between a plan‘s definition of disability and a doctor‘s assessment: Plan definition conflicts often lead to denials. Your plan’s exact wording defines disability differently than you might expect. What your doctor considers disabling may not match your plan’s requirements.
- Policy limits: Many disability plans limit benefits for mental health conditions and self-reported symptoms to 24 months or less. Insurance companies frequently require specialized documentation and ongoing psychiatric evaluations, even when physical conditions are present.
- Pre–existing condition exclusions: Insurance plans typically review medical history for 3-12 months before coverage begins. Treatment or medications received during this look-back period can result in claim denial under pre-existing condition clauses, even if your condition has worsened.
At ERISA Insurance Claim Attorneys, we review denied claims to identify issues and gather the right documentation to support your case. Our San Antonio short-term disability lawyers can then personalize a legal strategy for your circumstances.
San Antonio Short-Term Disability Lawyer Near Me (225) 201-8311
Benefits of Hiring a San Antonio Short-Term Disability Attorney
Having an experienced ERISA attorney on your side can significantly improve your chances of a successful claim or appeal. Our San Antonio disability attorneys offer several key advantages:
Understanding ERISA Regulations
The Employee Retirement Income Security Act (ERISA) governs most short-term disability claims with strict rules and deadlines. Our attorneys understand these regulations and ensure your claim meets all requirements.
Building a Complete Administrative Record
Under ERISA rules, you generally cannot add new evidence after the administrative appeal process ends. Our attorneys help gather and submit all necessary medical records, expert opinions, and vocational evidence during the proper phase.
Meeting Deadlines
Missing an appeal deadline can permanently bar your claim. We track and meet all filing deadlines, ensuring your right to benefits remains protected throughout the process.
Challenging Insurance Company Tactics
Insurance companies often use specific strategies to deny valid claims. We recognize these tactics and know how to counter them effectively with appropriate evidence and legal arguments.
Handling All Communications With Insurers
Insurance companies may use your statements against you. We manage all communications with the insurance company, protecting your interests while ensuring a clear and effective presentation of your claim.
At ERISA Insurance Claim Attorneys, we offer free initial consultations to discuss your claim and explain how we can help. Our fee structure aligns with your interests; we only get paid if we obtain your benefits.
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How Long Does a Short-Term Disability Appeal Take?
The timeline for a short-term disability appeal typically follows specific legal requirements, though the actual duration can vary based on your case’s particular details.
Several key factors affect how long your appeal may take:
- Medical complexity: Cases involving multiple conditions or complicated diagnoses may require more documentation.
- Evidence gathering: Obtaining complete medical records and specialist reports takes time.
- Multiple specialists: Coordinating statements from various healthcare providers extends the process.
- Insurance response time: The company’s cooperation in providing claim files and processing updates varies.
- Independent examinations: If needed, scheduling and completing additional medical evaluations can add time.
While we work efficiently on your appeal, rushing the process can work against your interests. Our San Antonio disability attorneys focus on building thorough and complete appeals for our clients.
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Let Our San Antonio Short-Term Disability Attorneys Assist With Your Appeal
If your short-term disability claim has been denied or your benefits terminated, contact our San Antonio disability attorneys today. We handle appeals for clients and understand what it takes to challenge insurance company decisions.
Contact ERISA Insurance Claim Attorneys today for a free consultation about your claim. The sooner you contact us, the sooner we can start working on your appeal.
Call or text (225) 201-8311 or complete a Free Case Evaluation form