Chicago Long-Term Disability Appeals Attorneys

Long-term disability insurance can protect you and your loved ones if an injury, illness, or chronic condition prevents you from working for a year or longer. You may be entitled to benefits through your employer or a privately-purchased policy, but getting claims approved often poses challenges. 

Denials, excessive delays, and disputes over benefit amounts are all common. To get the total amount you are entitled to, get the Law Offices of Michael Bartolic, LLC. on your side. Our nationally recognized Chicago long-term disability appeals attorneys represent you in dealing with insurers and can take the legal actions needed.     

When Long-Term Disability Insurers Dispute or Deny Your Claim

You may be entitled to long-term disability benefits either through employer-provided insurance or policies you purchase from private insurance companies. These benefits generally compensate you for up to two-thirds of your lost income in the event of a qualifying condition that prevents you from working for a year or longer. 

If you suffer any type of accidental injury, severe illness, or chronic health conditions that impact you on the job, you may be entitled to file a claim. However, this is rarely a smooth process. According to the Insurance Information Institute (III), the insurance industry is one of the most profitable and makes billions of dollars in profits each year. One of the ways they do it is by reducing payouts. It is not uncommon for them to find a variety of reasons to either deny, dispute, or downplay your benefits. These include: 

• Questioning your eligibility for coverage;
• Disputing the terms of your policy;
• Claiming your condition does not qualify;
• Claiming you filed to provide supporting documentation. 

Your Rights in Filing a Long-Term Disability Appeal In Chicago

It can come as a shock when long-term disability (LTD) insurance benefits you paid for and counted on are denied or disputed. In this situation, it is important to be aware of your rights in filing an appeal. 

At the Law Offices of Michael Bartolic, LLC, our Chicago long-term disability appeals attorney can guide you through the process. This varies depending on whether you have a privately purchased LTD policy or are entitled to employer-provided coverage, which is subject to the Employee Retirement Income Security Act of 1974 (ERISA). Actions our legal team can take in defending your rights to benefits include:  

• Reviewing the terms of your policy;
• Gathering evidence to support your claim;
• Negotiating with insurers on your behalf;
• Initiating the appeals process;
• Representing you in hearings with claims administrators and others involved;
• Filing a lawsuit, if needed, to get you the benefits you deserve. 

Contact Our Chicago Long-Term Disability Appeals Attorneys Today

Getting the long-term disability benefits you are entitled to often proves challenging. There are strict time limits that apply when it comes to your rights in disputing the insurer’s decision. For trusted legal guidance in filing an appeal, request a consultation with the Law Offices of Michael Bartolic, LLC. Call or contact our Chicago long-term disability attorney online today.