New Mexico Disability Insurance Lawyer
Helping People Throughout New Mexico with Disability Claims
Your disability insurance provider is supposed to pay out your rightful benefits when you become injured or suffer a medical condition that prevents you from working. Unfortunately, many insurance companies refuse to pay claims, offer lowball lump-sum settlements, or terminate benefits early. When this happens, you have the right to fight back.
At Dabdoub Law Firm, we represent clients throughout New Mexico in all types of disability insurance matters. Our attorneys bring decades of experience to every case and devote 100% of their practice to handling disability insurance issues. We are well-versed in ERISA and have gone up against every major disability insurance provider in the United States, recovering millions of dollars in benefits for our clients. No matter the disability/condition you have or the insurance/benefits issue you are facing, our firm is ready to fight for you.
Types of Disability Insurance Cases We Handle
Our firm is equipped to handle all types of disability insurance issues, including but not limited to:
- ERISA law
- Long-term disability insurance
- Short-term disability
- Individual disability insurance
- Employer/group insurance disability
- Disability insurance for the self-employed
- Disability insurance for NFL and ex-NFL players
We can assist you at all stages of the process, from filing your initial claim application to negotiating a fair lump-sum settlement to appealing a denied claim. Our attorneys are licensed to practice throughout New Mexico and can represent clients nationwide in federal disability insurance lawsuits.
We have worked with major insurance carriers, like Aetna, CIGNA, Liberty, Lincoln, Mass Mutual, MetLife, Provident, Prudential, Sun Life, UNUM, and more. We have also represented clients suffering a range of disabilities from across a spectrum of industries, including medical professionals, accountants, construction workers, delivery service drivers, civil engineers, and office workers.
In short: we have the experience and resources necessary to effectively advocate for you. Our goal is to secure the benefits you are owed, and we are not afraid to take your case to trial.
Experienced Representation in ERISA Matters
Most disability insurance claims fall under the Employee Retirement Income Security Act (ERISA) of 1974. This is a complex federal statute that imposes numerous procedures and deadlines claimants must follow if they wish to collect their rightful benefits. It is essential that you work with an attorney who not only understands ERISA, but who is also highly experienced in navigating various ERISA-related issues.
As an established and well-respected law firm dedicated entirely to the practice of disability insurance law, we can assist you with all aspects of your claim, including ensuring compliance with ERISA deadlines and related matters. We have many years of experience handling these types of cases and can provide the guidance, resources, and advocacy you need.
Can You Appeal a Denied Disability Insurance Claim in New Mexico?
If your disability insurance company denies your claim, you may appeal. You can also appeal if the insurance company terminates your benefits early. In most cases, you will need to follow the insurance company’s internal appeals process before filing a lawsuit in court.
Appealing a denied disability claim involves cooperation with your medical team. You should provide your insurance company with as much information as possible regarding your disability and/or medical condition. However, in many cases, simply proving that you are disabled is not enough.
Because most disability insurance cases in New Mexico are decided under an “arbitrary and capricious” standard, you will likely need to prove that the insurance company had no reasonable grounds for denying your claim. This standard does not favor claimants and can make it very difficult for you to obtain benefits. It is important that you provide as much evidence as possible in support of your claim, not only to improve your immediate chance of securing benefits but also to ensure this proof goes into your record. Once a final denial of benefits is made, your record is closed, and you will no longer be able to provide any new or additional evidence before the court.
Put a Powerful Legal Team on Your Side
Insurance companies are generally not willing to pay out claims and will often go to great lengths to dispute or deny them. At Dabdoub Law Firm, we do not accept lowball settlement offers made by insurance companies to our clients. Instead, our New Mexico disability insurance lawyers aggressively pursue favorable lump-sum settlements and, when necessary, represent our clients in federal court.
The insurance company has a full legal team at its disposal; you should have a powerful team on your side, too. Choose a team that not only understands the complexities of the law but also knows how to win—choose Dabdoub Law Firm.