Chicago Long Term Disability Appeals Attorneys

When an injury or illness prevents you from working, long-term disability insurance is supposed to provide you with a safety net. However, navigating the intricacies of long-term disability claims can be daunting, especially when insurers deny your rightful benefits. Bartolic Law has the experience and knowledge to help you navigate this challenging process. We are passionate about helping our clients secure the benefits they deserve, even in the face of denial.

Common Reasons for Appeal

1. Misapplication of Policy Definitions: Insurers frequently misapply the change from “own occupation” to “any occupation” standards after 24 months.
2. Pre-Existing Condition Clauses: Broad definitions of pre-existing conditions can lead to wrongful denials. We analyze whether these clauses are correctly applied.
3. Insufficient Medical Evidence: Often, insurers discredit medical evidence provided by your doctors. We counteract this by presenting comprehensive medical documentation and, if necessary, photo and video evidence of your daily struggles.
4. Vocational Assessments: Insurers may use biased vocational assessments to claim you can work. We challenge these assessments with evidence and expert testimony.

The Process of Appealing a Denial

Appealing a long-term disability denial is a multi-step process that requires meticulous preparation:

1. Review of Denial: We start by thoroughly reviewing the denial letter and the insurer’s rationale. This helps us identify the areas that need to be challenged.
2. Gathering Evidence: We collect additional medical records, expert opinions, and other supportive documents to build a compelling case.
3. Drafting the Appeal: Our attorneys craft a persuasive appeal letter, addressing each point raised by the insurer and presenting strong counterarguments.
4. Filing the Appeal: We ensure that the appeal is filed within the required timeframe and according to the specific procedures of the insurance policy.
5. Litigation: If the appeal is denied, we are prepared to take the case to court under ERISA § 502(a), leveraging our extensive experience and innovative approaches to achieve justice.

How Bartolic Law Can Assist

Bartolic Law is nationally renowned for our innovative approach and dedication to client success. Here’s how we can assist you:

• Experience: With years of experience handling long-term disability cases, we have an in-depth understanding of the legal landscape and insurance industry practices.  
• Client-Centric Approach: We believe in humanizing your case, ensuring that your story is heard and your struggles are acknowledged. This often involves using photo and video evidence to present your daily challenges.
• Track Record of Success: Our firm has a record of turning denials into payments.
• Comprehensive Support: From consultation to final resolution, we provide unwavering support and transparent communication, keeping you informed at every step.

Benefits of Retaining Bartolic Law

Choosing Bartolic Law means partnering with a firm that embodies credibility, compassion, authenticity, innovation, and transparency. Our core values motivate us to deliver exceptional service and achieve the best possible results. When you retain Bartolic Law, you gain access to:

• Innovative Strategies: We find creative solutions tailored to the unique challenges of your case.
• Dedicated Advocacy: Our attorneys are motivated to help you regain control of your financial future, providing peace of mind and a sense of security.
• Proven Methods: We employ tried-and-tested methods, along with innovative techniques, to build strong appeals and win cases.

Get In Touch

Navigating a long-term disability claim or appeal can be overwhelming, but you don’t have to face it alone. Bartolic Law is here to stand by your side, offering guidance, compassionate support, and fierce advocacy. Contact us today to schedule a consultation and learn how we can help you secure the disability benefits you deserve.