New Hampshire Disability Attorney
New Hampshire disability attorneys can assist you with your claim for long term disability benefits. Many people in New Hampshire receive long term disability coverage from their employer. The purpose of this coverage is to pay people a portion of their salary if they are unable to work, but what can you do when the insurance company denies your disability benefits?
Disability insurance law is complex. If your long term disability benefits have been denied or terminated, it is important you hire an attorney with significant experience in this area.This law firm has always focused only on disability insurance law. As a result, the firm has significant experience fighting all major disability insurance companies.
New Hampshire Disability Law
A majority of disability claims fall under a federal law called the Employee Retirement Income Security Act of 1974 (ERISA). There are many rules that must be followed and deadlines that must be met under ERISA.
The Importance of Your Disability Appeal Under ERISA
You are entitled to appeal a denial or termination of long term disability benefits. Typically, you have 180 days to submit an appeal. ERISA imposes strict deadlines on the insurance company to make a decision on an appeal. Our attorneys will make sure these deadlines are met.
Under ERISA, the appeal may be your last chance to submit supportive information supporting disability. Thus, it is very important you hire an attorney experienced with ERISA appeals. Our disability lawyers understand the importance of the appeal. We will work with you in your appeal.
What Happens if My Disability Appeal is Denied?
If your appeal is denied, you will have the option to bring a lawsuit in federal court. Our disability lawyers have won several major disability lawsuits and are able to file a lawsuit on your behalf.
Benefit of New Hampshire Law
Most disability policies give the insurance company discretion. This means a judge must rule in favor of the insurance company unless it entirely unreasonably in denying benefits. This is a tough standard to meet.
Many states have passed laws banning discretionary clauses in disability insurance policies. There is no total ban of discretionary clauses in New Hampshire. However, the New Hampshire state insurance department passed a regulation requiring the approval of discretionary clauses. There are specific requirements the insurance policy must meet in order to properly grant the insurance company discretion. In short, this law requires discretionary clauses contain an explanation as to the consequences of discretion. Our lawyers will help you better understand your rights under your disability policy.
Let Our Attorneys Get Your Disability Benefits Paid
Our goal is to help you get the benefits you deserve. Millions of dollars in disability benefits have been recovered for our clients. Call Dabdoub Law Firm to get experienced disability lawyers on your side.
We can help with:
- Submitting a disability insurance claim
- Appealing a long-term disability denial
- Negotiating a lump-sum settlement
- Filing a lawsuit against your disability insurance company