How to Win a Long-Term Disability Appeal

Your long-term disability benefits have been denied. Your insurance company has told you that you must now appeal its decision to deny benefits.

Your Appeal is Critical

You need to understand the importance of your appeal.

Most long-term disability claims are governed by a law called ERISA. If you have a disability insurance policy through your employer, most likely it is governed by this law.

ERISA requires that you appeal a denial of benefits. However, under ERISA your appeal may be the last time you can introduce evidence of your disability.

If your appeal is denied, you can then file a lawsuit against the insurance company. But you likely will be unable to introduce new evidence of disability once your lawsuit is filed.

This means you must provide the insurance company with as much medical support as possible during the appeal process. Our disability lawyers specialize in ERISA law and can help you put together a strong appeal.

How Do You Win Your Appeal?

Our disability lawyers are experienced in disability cases. We will utilize our knowledge and experience to give you the best chance of success. This includes gathering supportive evidence for your case, including:

• Objective Medical Evaluations
• Supportive letters from doctors
• Supportive forms from doctors
• Supportive statements from family and friends
• Updated medical records
• Medical record reviews from third party doctors

Our experienced disability lawyers have utilized our strategies to help get many appeals approved. Our work in the appeals process has also resulted in favorable court rulings for our clients.

A Bad Appeal – What Not to Do

After denying your benefits, your insurance company may advise you to appeal to get your benefits approved. They may even go as far as tell you to simply send an email notifying them of your appeal. THIS IS A HUGE MISTAKE.

Again, your appeal may be your last opportunity to introduce proof of disability. If you don’t submit as much proof as possible your appeal will probably be denied. You will then have a weaker case in court. This means a smaller likelihood to win your case and a smaller likelihood of a reasonable settlement.

Help from a Lawyer with Expertise in Disability Insurance

This law firm was built to be a disability insurance law firm.

That means we have:

1. Experience with every major disability insurance company.
2. A proven track record of success in major disability lawsuits.
3. Recovered millions of dollars in disability benefits for our clients.

And, we never charge fees or costs unless our clients get paid.

The firm can help at any stage of your disability insurance claim, including:

• Submitting your disability insurance claim,
• Appealing a long-term disability denial,
• Negotiating your lump-sum settlement, or
• Filing a lawsuit against your disability insurance company.

Hiring an experienced disability attorney is important. Because federal law applies to most disability insurance claims, our lawyers do not have to be located in your state.

Call us at (800) 969-0488 or contact us online to speak with an experienced disability attorney. Consultations are free.