Mississippi Long-Term Disability Lawyer
If you are employed by a company, you might be covered by a group short-term and long-term disability insurance policy. The purpose of disability insurance benefits is to provide a portion of your salary in the event you become disabled due to injury or illness. In reality, many disability insurance companies deny valid claims. When this happens, a delay in payment of benefits can add financial stress on top of an already tough situation.
Know that you have rights under the law that allow you to fight back. Dabdoub Law Firm focuses on representing clients with long-term disability claims and lawsuits. The firm was built specifically to be a disability insurance law firm for people whose benefits were wrongly denied..
Law Governing Disability Claims
There are two types of long-term disability insurance: group and individual. Individual long-term disability insurance benefits that is bought directly from an insurance company are governed by state law. Most group long-term disability insurance offered as part of an employee benefits package are governed by a federal law known as ERISA. Our long-term disability attorneys are familiar in both areas of disability insurance law and can explain your rights during this difficult time.
Courts in Mississippi are part of the Fifth Circuit Court of Appeals, which also covers Louisiana and Texas. This means that court decisions in Louisiana and Texas that end up before the Fifth Circuit can affect your Mississippi long-term disability case.
ERISA grants you the right to appeal a denial or termination of long-term disability benefits. You typically have up to 180 days from receipt of the letter to file your appeal. Once your appeal is received by the disability insurance company, it is held to strict deadlines governed by ERISA to make its decision. The appeal is likely the last chance you have to submit more medical evidence supporting your disability claim. You should hire a skilled ERISA disability attorney who knows how to keep the insurance companies to their deadlines.
Do I Need an ERISA Attorney?
When it comes to cases governed by ERISA, it is best to have an attorney who knows ERISA represent you. ERISA is a very unique area of the law. For example, if you do not appeal the insurance company’s denial of your disability benefits, your disability claim may be barred forever.
Most people, including some lawyers, have never heard of ERISA until they find themselves in the unfortunate position of being unable to work. If you have a disability insurance claim, the lawyers at this law firm can explain your rights under the law and your disability insurance policy. Because this firm is a disability insurance law firm, all lawyers work everyday on behalf of hard-working Americans who have fallen ill and can no longer work.
Let Us Help You
Our long-term disability lawyers know insurance law and are very familiar with ERISA. We have represented hundreds of disabled clients against the major disability insurance carriers including CIGNA, Hartford, MetLife, Aetna, Unum, Lincoln, Prudential, Mutual of Omaha, and The Standard. The firm has recovered millions of dollars in disability benefits on behalf of its clients.. Call us today for your initial case evaluation.