More workers are becoming disabled in and out of the workplace. The best feeling is knowing that financial compensation is put in place when you suffer a long-term disability.
With long-term disability insurance, you can have that peace of mind.
At Bartolic Law, we handle long-term disability cases at all stages. We can guide you through filing your claim and assist you with the ERISA appeal process. A Chicago long-term disability law firm can help you fight for your rights when you can no longer work.
Long-term disability insurance will give you the financial compensation needed to cover your finances. If you need additional time to recover from surgery or suffer from a disability outside of the workplace, long-term disability is the right policy for you.
Long-term disability insurance provides coverage for disabilities that usually aren’t covered through other benefits packages. These disabilities include:
One of the issues that you will face when trying to get your disability benefits is having your disability misclassified.
Each disability insurance policy has a different definition for what they consider a “disability.”
If your disability does not qualify under the condition, the insurance company will use that to deny your claim.
When your claim has been denied, there is a specific appeal process that you must follow.
If your disability insurance was purchased through a private company, you must file your claim with the courts and follow the company’s appeal process. You must follow the ERISA appeal process if your insurance was purchased through your employer.
ERISA stands for the Employee Retirement Income Security Act. This federal law protects all employee benefits packages in the private industry. The ERISA appeal process is very strict compared to the private industry process.
Unlike the appeals process within the private industry, you will not be allowed to offer additional evidence or speak on your behalf.
All evidence considered for your appeal must be placed within your administrative record.
This evidence must be submitted to an impartial judge 180 days from the time of your denial letter. The impartial judge will consider your administrative record and either uphold your denial or overturn it.
Regardless of your insurance policy type, we have a track record of successfully taking on the largest insurance companies and winning. Some of our past opponents have been Aetna Life, Tuckpointers Local 52 Health and Welfare Trust, United of Omaha, and MetLife.
At Bartolic Law, our law firm is who the most discerning clients call when an insurer denies their claim. When your long-term disability claim has been denied, call the law firm that turns denials into payments. We continue to have an unmatched track record in long-term disability appeals because of our core values. Fill out our contact form to schedule your free case evaluation.