• What should you do when the disability insurance company does not respond to your ERISA Appeal?

What are my options if the disability insurance company does not respond to my ERISA appeal within 45 days?

Disability attorney Stephen Jessup discusses what options a claimant has if their disability insurance company does not respond to their ERISA appeal within 45 days.

If you don’t have a decision back on your appeal within the 45 days, there’s a golden opportunity on day 46 to file a lawsuit. In doing so, you put your claim in a light most favorable for you; it gives a standard review to the judge where the judge is going to determine, in his opinion, whether or not he thinks you’re disabled, rather than giving discretion to the insurance company to see if they acted reasonably in denying your claim. So if you don’t already have an attorney who has filed your appeal for you, it’s in your best interest to get an attorney to be prepared to file a lawsuit on your behalf on day 46.

Comments (2)

  • Tyrone,

    Unfortunately, we would have no idea as to the veracity of the statement as it is dependent upon the medical information they are reviewing and how long it took for them to receive all information needed to render a claims decision.

    Stephen Jessup Oct 22, 2015  #2

  • It’s day 46 I called the LTD company and was told that, “the nurse was still reviewing my claim and she would give me a call this week when she finished reviewing my claim.” My question is, is this statement true or are they stalling for time?

    Tyrone H. Oct 21, 2015  #1

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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.

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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.

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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.

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