NATIONALLY RECOGNIZED. CHICAGO STRONG. LONG TERM DISABILITY FIRM
Bartolic Law handles Long Term Disability cases at all stages, from filing a claim to lawsuits under ERISA § 502(a). We are who the most discerning clients hire when an insurer denies their claim, and the one they wish they had when another firm loses their appeal and abandons the case. We are Innovative, Authentic, Compassionate, Transparent and Chicago strong. Bartolic Law is nationally renowned for our Innovative work:
NATIONALLY RECOGNIZED. CHICAGO STRONG. DISABILITY APPEALS LAWYER
When you suffer an injury or illness that prevents you from working, long-term disability insurance can provide a security net. But when you can’t work, and an insurer denies your claim, it can cause financial insecurity, a feeling of loss of control, and tremendous stress. Unfortunately, this happens too often. Insurers search for reasons to deny your claim more than searching for reasons to approve it. You have the right to appeal the denial.
Bartolic Law helps clients appeal long-term disability denials, and our Innovation and dedication are unparalleled. Do not go it alone.
Ferrin v. Aetna Life INS. CO.
Ferrin v. Aetna Life Ins. Co., 336 F. Supp. 3d 910 (N.D. Ill. Sept. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing after effective date, and holding Plaintiff was disabled from Any Reasonable Occupation where treating doctors certify she can sit at the occasional level, and insurer’s consultants opine Plaintiff can sit frequently, as weighing all evidence together would make capacity likely at low end of frequent range at best).
The appeal is much like a paper trial, and the litigation functions much like an appellate proceeding, where the court reviews the record. If there was something that could have been done to make your case stronger, it must be done at the pre-litigation appeal stage, or else the court likely will not allow the evidence.
ERISA regulations mandate you be allowed 180 days to appeal a long-term disability denial. That is less time than it sounds like to analyze the insurer’s process and file, get all available medical records, get necessary treating doctor opinions, additional tests, any expert opinions, visually present your case, and craft an appeal putting the puzzle together to make it as easy as possible for the insurer to see why its decision was wrong, and choose to pay your claim instead of going to court. We design a plan to accomplish all this in 90 days, provided prompt client cooperation.
Bartolic Law’s founder has a strong accounting and finance background. We think in frameworks and about expected outcomes and expected values based on those outcomes. Our contingency success fees are not always the lowest you will find, but we deliver the best value when you consider the overall amount of benefits at stake, and how much more likely you are to avoid litigation with us. Most cases in litigation end up settling, by the client’s choice, because the process can be long, and the insurer buys out your claim for less than full value. We don’t earn the success fee at the appeal stage if we aren’t successful, but you’ll be better situated in litigation even if we aren’t.
Attorney Advertising. This information is designed for general information only. The information presented should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. Past results and testimonials are not a guarantee, warranty, or prediction of the outcome of your case, and should not be construed as such. Past results cannot guarantee future performance. Any result in a single case is not meant to create an expectation of similar results in future matters because each case involves many different factors, therefore, results will differ on a case-by-case basis. By providing certain contact information herein, you are expressly authorizing the recipient of this message to contact you via the methods of communication provided.