A long-term disability can have many negative impacts on your life, whether you become disabled suddenly or as the result of a long-term health condition. From lost work and income to the inability to enjoy the things that you love, a long-term disability can pose several financial and physical obstacles, potentially for the rest of your life. To compensate for these potential losses, many individuals choose to participate in long-term disability insurance plans offered by their employer.
Unfortunately, many valid long-term disability claims are denied. Making matters even worse, the federal law that regulates most employer-sponsored plans, known as ERISA, is notoriously complex.
At Bartolic Law, our skilled ERISA attorneys in Chicago fight for hard-working people who need access to their long-term disability benefits. We aggressively advocate on their behalf for what is rightfully owed to them by the insurance companies: their long-term disability benefits.
The Employee Retirement Income Security Act (ERISA) is a federal law in the United States that establishes minimum standards for employer-sponsored benefit plans like long-term disability, retirement, and health benefits. It was intended to help protect plan participants and their beneficiaries by requiring insurers to disclose financial and other information concerning the plan to them, establishing standards of conduct for plan fiduciaries, and providing for appropriate remedies through the federal courts when necessary. However, in reality, the law and how it is applied by courts may do more to help the insurance companies than the plan participants.
If a claim for long-term disability benefits through an employer is denied, ERISA governs the process for challenging that denial. ERISA mandates strict deadlines for filing appeals of denied claims and lawsuits in federal court and limits the evidence that can be considered in such lawsuits. There are limited exceptions to ERISA’s application. For instance, government and church employees, as well as those with private policies, are generally not covered under this law.
Given the complexity of ERISA regulations, individuals dealing with long-term disability issues are strongly advised to seek legal counsel from experienced ERISA attorneys in Chicago to ensure their rights are fully protected.
Many individuals find the long-term disability claims process to be highly complex and convoluted. Insurance companies oftentimes design their application questions to elicit answers that could form the basis for denial. Once a claim is denied, there may be specific appeal procedures and deadlines to follow. When efforts to work with the insurer fail, participants may need to file a lawsuit to continue pursuing benefits.
ERISA litigation is not something most lawyers are experienced in handling. But at Bartolic Law, our ERISA attorneys in Chicago know the ins and outs of this regulation and can aggressively pursue a lawsuit if necessary – on your behalf. All you have to do is rest and focus on getting back into good health.
Insurance companies are ruthless, and many do not treat their customers well. They have teams of high-priced lawyers working to deny claims. But with our knowledgeable Chicago ERISA attorneys on your side, you can level the playing field and fight back.
At Bartolic Law, our Chicago long-term disability lawyers have assisted over 2,000 clients in seeking the benefits they deserve when they find themselves disabled and unable to work. If you need help with a long-term disability appeal or ERISA litigation, our attorneys can help. To speak with experienced ERISA attorneys in Chicago about your claim, contact Bartolic Law today.