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Can I Hire A Disability Lawyer to Help with my ERISA Appeal?


An ERISA Long Term Disability Appeal Is Challenging
Can I Hire A Disability Lawyer to Help with my ERISA Appeal?

Yes, it is in your best interest to hire an attorney to file your disability insurance appeal. The insurance companies have attorneys and actuaries working to protect their best interest – and so should you. Appealing a disability insurance denial is your right and an obligation before you can sue for benefits in court. Our attorneys are well versed with the rules of filing appeals and most importantly we know what evidence needs to be submitted as part of the internal appeal.

Your internal appeal is the last chance to include all necessary documentation. What does this mean? Your appeal is the ONLY evidence which can be used for subsequent litigation. In other words, once your appeal is submitted to the insurance company no additional evidence can be submitted in Court for a law suit.

Before you file an appeal on your own, speak with one of our attorneys. We always offer a FREE consultation.

There are 5 opinions so far. Add your comment now.

Otro Robinson:

After watching your videos on YouTube, I am fully convinced that I’ve been suckered into filing an appeal on my own by Aetna. Monday morning I will be calling your office .

Joe:

I got a denial letter from Unum after having had received benefits up until that point.

There are two reasons given.

In between stating the reasons, the letter says the decision is not based on my medical condition, which earlier in the claim had been an issue.

I think I can successfully dispute the two reasons they give.

Everyone has been nice to me but I feel like I always have a bad gut feeling anytime I interact with them. I’m sure others can relate.

Because of this, my question is, can they come up with new reasons to deny me when they answer my appeal?

That wouldn’t seem the least bit fair, and I would not have an opportunity to dispute it if they did, meaning I could not introduce any new information or evidence if I did have to file suit against them.

I have already written the letter but am not sending it out for a couple weeks. I want to make sure I have all ducks in a row, because I know they will. I have not hired a lawyer but more and more am thinking I should.

Attorney Stephen Jessup:

Joe, please feel free to contact our office to discuss the denial of your claim.

Douglas J. S.:

I recently received a denial from UNUMM after receiving 3 payments, who are these people. They told me from the beginning there was no problem with my benefits and then all of a sudden its gone. This is ruining our life the one thing we purchased the insurance to avoid. I had 15 years in my company, 5 years! to go and I loved my job why would I throw that away. They know if they ruin you financially you can’t afford a Lawyer. Everyone gets paid but the one person who needs it most, what a crock.

Attorney Stephen Jessup:

Douglas, it is unusual to receive a denial so soon after having a claim approved. Were the three months for Short Term Disability, and then they denied the Long Term claim? If so, that is a very common insurance company tactic. Please feel free to contact our office to discuss the denial, as well as the legal rights available to you.

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