Skokie Long Term Disability Appeals Lawyer

If your long-term disability claim has been unjustly denied, you’re not alone. Many individuals in Skokie face the frustration, stress, and uncertainty that come with insurers rejecting valid claims. At Bartolic Law, we understand long-term disability appeals, offering compassionate legal representation to help you secure the benefits you deserve.

Understanding the Long Term Disability Appeal Process

After your long-term disability claim is denied, you have the right to appeal the insurer’s decision. However, this process is time-sensitive and highly detailed. Under the Employee Retirement Income Security Act (ERISA), you typically have 180 days to file your appeal. This period is used to gather all necessary evidence to strengthen your case. The appeal itself functions like a “paper trail,” where you must provide thorough documentation, including medical records, expert opinions, and any other evidence supporting your claim.  

The process demands precision because, in most cases, your appeal is the last opportunity to introduce new evidence. Once the appeal is filed, a judge will rely solely on this record if your case goes to court. That’s why Bartolic Law prioritizes creating a compelling appeal that presents your case clearly and persuasively to the insurer.  

Common Reasons for Claim Denial

Insurance companies are known for denying claims to protect their bottom line. Common reasons include:  

• Insufficient Medical Evidence: The insurer claims you haven’t provided enough documentation to support your disability.  
• Pre-Existing Condition Exclusion: The insurer argues your disability results from a condition that existed before your policy began.  
• Policy Limitations: Some policies impose limitations, such as a 24-month cap on claims involving mental health conditions.  
• Errors in Functional Capacity Analyses: Insurance companies often misinterpret or downplay medical opinions about your physical and mental restrictions.  
• Disputed Vocational Analysis: The insurer concludes you’re capable of working in another occupation, even when the evidence shows otherwise.  

At Bartolic Law, we’re adept at identifying the flaws in these reasons and building a robust case to overturn denials.  

Why Choose Bartolic Law?

Bartolic Law is nationally recognized for its experience in long-term disability appeals and ERISA litigation. Here’s what sets us apart for clients in Skokie:  

• Tailored Strategies: We know that every case is unique. Our team designs personalized solutions to fit your specific medical, occupational, and financial circumstances.  
• Proven Track Record: Our firm has won appeals for clients facing complex conditions, including spinal injuries, autoimmune diseases, and mental health disorders. We aim to resolve claims effectively without protracted litigation.  
• Innovative Approaches: From gathering comprehensive evidence to humanizing your case, we use innovative techniques to give you the edge.  
• Client-Centered Care: We understand this is an overwhelming time in your life. Our team communicates transparently and compassionately, ensuring you feel supported and informed every step of the way.  

Addressing Your Concerns

You may be wondering, “What happens if my appeal is denied?” or “How can I gather all the evidence needed in time?” That’s where Bartolic Law excels. We act quickly and diligently to meet deadlines, secure expert opinions, and create a strong case that puts the odds in your favor.  

When you partner with Bartolic Law, you’re gaining more than just legal representation—you’re gaining a committed advocate with the insight to level the playing field against powerful insurance companies. We handle the complexities so you can focus on your health and recovery.  

Take Control of Your Case Today

If you’re in Skokie and facing a long-term disability denial, don’t wait. Contact Bartolic Law today for a consultation. Together, we’ll develop an effective strategy to secure the benefits you deserve. Trust Bartolic Law to turn denials into payments.