El Paso Disability Insurance Lawyer

Make the Call to Get Dabdoub Law Firm On the Job

As you might know already, insurance companies are businesses that need to make a profit. Making profits and paying disability claims can create a conflict of interest, which could mean you do not get the long term disability insurance benefits you deserve. When you need disability insurance benefits, Dabdoub Law Firm has a team of experienced disability insurance lawyers.

We help claimants in El Paso with every step of their claim, just as we have done for countless others across the country. No matter the insurance company on the other side of the case, we have dealt with them successfully before. The firm has also had great success in winning significant lawsuits for disability benefits in federal trial courts and courts of appeals.

Call (800) 969-0488 to talk to Dabdoub Law Firm now.

Disability Insurance Claims in El Paso, Texas

The majority of people living in El Paso get disability insurance coverage from their employer. You might have employer provided disability insurance coverage from an insurance company like Hartford, UNUM, CIGNA or LINA, or MetLife. The policies sold by these major insurers are nearly always governed by federal ERISA law, which can make it simpler for our insurance disability lawyers to assist you.

El Paso is home to many entrepreneurs and licensed professionals who might actually have an individually purchased or self-employment-based disability insurance policy. The insurance company that holds your policy could be AXA Equitable, MassMutual, or another major insurer.

Our disability attorneys have experience representing people across Texas who have become too sick or injured to continue working. Our clients deserve disability benefits from an insurance company and we use our legal skill and experience to help navigate disability insurance claims, appeals, and lawsuits.

Disability Insurance Denials in El Paso, Texas

Whether you have a disability insurance policy with UNUM, Hartford, Mutual of Omaha, MassMutual, CIGNA / LINA, or any other company, our disability attorneys have seen the tactics used to delay or deny disability claims.

One tactic often used to delay review and approval of long term disability benefits is claiming all information requested has not been received. We have seen instances where the disability insurance company will deny receiving records that our law firm knows were sent by our clients’ doctors or even by us.

Some disability insurance companies use independent medical examinations, known as an IME, to deny claims. This can be a physical examination if you have chronic pain issues or a neuropsychological evaluation if you suffer from cognitive impairments. Whatever the cause of your disability, insurance companies may attempt to discredit your reports of symptoms by using an outside physician. If you are facing such a scenario, call us to discuss your legal options. We face these situations all the time and can help you protect your right to disability benefits.

How ERISA Affects Disability Insurance Claims in El Paso

Many employer-provided disability insurance plans in El Paso are governed by a federal law called ERISA, which sets strict rules for how claims and appeals must be handled. Understanding these rules is important because they control everything from deadlines to what evidence a federal judge can review if your case ends up in court. For workers in the El Paso area who get coverage through a job at a hospital, school district, or large employer, ERISA is often the framework that will apply to their disability claim.

Under ERISA, you generally must complete at least one internal appeal with the insurance company before filing a lawsuit in federal court. That appeal is usually your last opportunity to add medical records, detailed statements from your doctors, and information about your job duties to the claim file. Because the court may be limited to reviewing what is in that file, we treat the appeal as a critical stage rather than a simple formality, and we work with clients to gather the strongest possible documentation before the insurer makes a final decision.

ERISA also sets time frames for when the insurance company must respond to your claim and appeal, as well as standards for how they communicate decisions to you. If those rules are not followed, it can affect your rights and sometimes the way a judge reviews your case. We help clients in El Paso understand how these timelines apply to their specific policies so they do not miss important deadlines and so they know what to expect as their disability insurance matter moves forward.

How Our El Paso Disability Attorneys Can Help You

Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all disability lawyers at Dabdoub Law Firm focus on disability insurance claims, we have significant experience with every major disability insurance company.

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

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

Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.

Call (800) 969-0488 to speak with an experienced long term disability attorney. Consultations are always free.

Frequently Asked Questions

How Long Do Disability Insurance Claims Usually Take in El Paso?

The timing of a disability insurance claim depends on your policy and whether ERISA applies, but many employer-provided plans must make an initial decision within set time limits. If the claim is denied and you file an appeal, the insurer typically has additional time to review the new information and issue a final decision. We help clients understand what timeline applies to their specific policy so they know when to expect updates and when a delay may be unreasonable.

Can I File a Disability Insurance Lawsuit in El Paso If My Appeal Is Denied?

If your disability insurance claim is governed by ERISA and the final appeal is denied, the next step is often a lawsuit in federal court, which for many El Paso workers would be filed in the Western District of Texas. For individual disability policies that are not governed by ERISA, lawsuits may proceed in state court instead, depending on the circumstances. Which court is appropriate and what arguments can be made will depend on the type of policy you have and how the insurance company handled your claim.

Do I Need to Live in El Paso to Get Help With a Disability Insurance Claim?

You do not need to live in El Paso to receive help with a disability insurance claim, but many people prefer to work with a firm that understands how claims from this region are handled by major insurers. Because most employer-based disability policies are governed by federal law, we can assist clients across Texas and throughout the United States. We regularly review policies, medical records, and employment information remotely, which allows us to guide you through each step even if you are unable to travel or meet in person.