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

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.

Comments (5)

  • 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.

    Stephen Jessup Feb 17, 2018  #5

  • 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.

    Douglas J. S. Feb 16, 2018  #4

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

    Stephen Jessup Aug 10, 2017  #3

  • 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.

    Joe Aug 9, 2017  #2

  • 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 .

    Otro Robinson May 6, 2017  #1

Leave a comment or ask us a question

Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Mauricio B.

Mrs. Alters was very professional, nice and effective, I was able to obtain disability insurance in a case that could have become quite difficult due to the characteristics of the disability.

***** 5 stars based on 202 reviews

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