What to Expect in a Principal Disability Benefit Denial Lawsuit
You probably feel as if the Appeal review conducted by Principal was a sham and you never had a chance to have your Principal disability benefit denial reversed. Your feeling of being called a liar by Principal and questioning if it is even worth filing a Principal disability lawsuit is exactly Principal’s plan. The sad truth is that the law governing long term disability insurance claims favors disability insurance companies and therefore a high percentage of Principal disability appeal denials are upheld. Principal hopes that you will just go away and that they can strong arm you to return to work out of financial necessity. The good news is that with a strong legal strategy your Principal disability benefit lawsuit can result in a recovery of your disability benefits.
What Should You Expect In A Principal Disability Lawsuit?
Through our experience of having helped thousands of Principal disability insurance claimants nationwide, we would like the opportunity to help you win your Principal disability benefit lawsuit. In order to help you understand what to expect in a Principal disability lawsuit, Attorneys Gregory Dell and Rachel Alters have prepared the Principal disability lawsuit video below. We encourage you to contact any of our disability insurance lawyers for a free immediate review of your Principal disability claim denial.
When Can A Principal Disability Lawsuit Be Filed?
The answer to this question depends on whether you have a claim that is governed by The Employee Retirement Income Security Act, also known as (ERISA.). If you have a Principal disability claim that was provided to you as an employee benefit, then your claim is almost always governed by ERISA. An ERISA disability lawsuit cannot be filed against Principal until you have received a denial of the appeal you submitted to Principal.
An ERISA lawsuit usually must be filed within either 3 years of your date of disability or the date of the final disability denial decision. If Principal fails to make a timely decision on your appeal, you can file suit without having to wait for Principal’s appeal decision. . The law governing time periods to file lawsuits is known as the Statute of Limitations and it is an area of law that is regularly changing and not consistent from state to state. In a Non-ERISA disability benefit claim denial an appeal is usually not required by Principal and most lawsuits can be filed 90 days after proof of loss is due but no later than 3 years after the date of denial. In our video below, disability attorneys Stephen Jessup and Gregory Dell discuss the various coverages Principal handles, how they handle your claim, whether individual or a group policy, as well as appeal handling and lawsuits.
The period of time in which a lawsuit must be filed can be a complicated analysis determined by a combination of the policy language and the law of the state in which the person was denied. The best thing to do in many cases to avoid a statutory problem is to file a lawsuit as soon as reasonably possible.
Our Clients Have Recovered Lincoln Disability Benefits in 99% of our Principal Disability Lawsuits.
As much as we love to beat up Principal for their wrongful disability claim denials, we know how to set our egos aside. Our goal for every client is to try to resolve their Principal claim in the most expedient and efficient manner possible. Upon review of your disability denial letter from Principal we can immediately let you know if you have a claim that we think we can help you with. We look forward to speaking with you to discuss your options against Principal.
What Are the Most Challenging Issues in a Principal Disability Lawsuit?
The most challenging aspect of any disability lawsuit is the fact that your Principal disability benefit denial is likely governed by ERISA, a pro-insurance company federal law that governs almost all employer-provided disability policies. ERISA was designed so that insurance companies could offer affordable benefits to employees and in return have limited lawsuit expenses if a disability claim is denied. If your disability policy was not provided by your employer, then you will not have to worry about the ERISA lawsuit limitations. In our video below, disability attorneys Stephen Jessup and Gregory Dell discuss the reasons why ERISA makes disability lawsuits against a company like Principal challenging.
Five Reasons ERISA Disability Laws Favor Principal
- No jury trials are permitted;
- No punitive damages;
- Very limited discovery;
- The Judge usually must apply a standard of review that defers to the insurance company’s conclusion that you are not disabled;
- The Judge can remand the case back to Principal for any additional chance to review the claim and deny it again;
How Much Does Our Firm Charge to Handle a Principal Disability Lawsuit?
The proper preparation of a lawsuit against Principal takes a lot of legal time and our law firm is selective in the type and quantity of cases we accept. Providing the highest level of legal work and personal attention to your claim is a fundamental mode of operation for every lawyer in our firm. We are not high volume social security lawyers that are trying to handle disability insurance claims against Principal.
We have been handling claims against Principal for over 30 years. We only handle Principal disability lawsuits on a contingency fee basis. This means that we charge you a percentage of the disability benefits that we recover on your behalf. If we are not successful at recovering any disability benefits for you, then you do not owe us any attorney fees or cost for the work that we have done on your behalf.
More than 90% of the disability lawsuits that we have handled against Principal have resolved in a one-time lump sum settlement. We encourage you to review some of our Principal resolved case summaries to learn more about our experience. Most of our Principal disability lawsuit settlements have confidentiality provisions which limit our ability to discuss specific details about the cases.
Collecting Principal Disability Benefits Is A Reality
Through our 30+ years of experience suing Principal and our daily work on behalf of Principal disability claimants nationwide, we have seen and we are constantly aware of every claims handling technique used by Principal. We are one of the few law firms in the entire country that has the experience of going through a jury trial and receiving a favorable verdict against Principal. As a result of our years of battling Principal we have established a strong reputation and a unique litigation technique that allows us to cut through the traditional 18 to 24 month delay in resolving a Principal disability lawsuit.
We encourage you to contact any of our disability insurance lawyers to discuss some strategies for a possible resolution of your Principal disability denial. It is incredible and sad how many people we see give up the fight following a claim denial as they don’t want to deal with Principal. Our lawyers make the lawsuit process as simple as possible for claimants by requiring almost no time or effort by the claimant to pursue a Principal lawsuit. Any of our disability lawyers are available for an immediate free phone consultation to discuss your Principal claim denial.
What are the Top 10 Reasons for Principal Disability Denials?
- Principal denied the claim based on objective medical evidence
- Principal’s in-house doctor denied the disability claim
- With no exam a third party medical company denied a Principal claim
- With functional limitations Principal denied a disability claim because claimant has the ability to perform sedentary occupation
- After a compulsory medical exam a doctor hired by Principal denied the disability claim
- Principal denied the claim based on a vocational consultant evaluation of employability in another occupation
- Principal ignored claimant’s treating doctor’s opinion of limited work restrictions and denied claim
- Based on video surveillance Principal denied disability claim
- My definition of disability changed from own occupation to any occupation and Principal denied my disability claim
- Principal based your denial on a mental disability and not a physical disability and therefore limited your benefits to 24 months
Resources to Help You Win Disability Benefits
Get Your Principal Disability Application Approved
Prevent a Principal Disability Benefit Denial
Negotiate a Principal Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
Principal is absolutely ridiculous. I'm in financial harship after not receibing my full pay from work and exhausting my long term sick
Q: Can Principal deduct my social security payment from my monthly Principal disability benefit payment?
Q: What is the difference between time period of the claim while approved and the time period of the claim while denied?
Q: Will Principal harass me if I don't accept their buyout? And, is it standard for a buyout to be lower than the full benefit paid over time?
Q: Can Principal take away my deceased husband's 3 month survivor benefit? They justified it saying he was eligible for SSDI when he didn't even apply.
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Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.