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Why Should A Claimant Take Their Time Filing an ERISA Disability Appeal Letter?

As disability insurance lawyers that helped thousands of long term disability insurance claimants, we understand that once disability benefits are denied a claimant can immediately experience financial difficulties. In this video, disability insurance attorneys Rachel Alters and Gregory Dell discuss the importance of submitting a very detailed appeal and why it is not as simple as just writing a quick letter. You usually only get one shot for an ERISA appeal and the appeal must be five star in order to have the best chance of collecting long term disability benefits. We encourage you to contact any of our lawyers for a free initial phone consultation and we are available to help you nationwide.

There are 6 opinions so far. Add your comment below.

Mike F.:

I was fortunate enough to have Rachel Alters handle my LTD appeal in 2014. I took 180 days and when all was said and done it was 266 pages long! The detail was amazing and my denial was immediately overturned. I strongly suggest that an individual doesn’t go it alone in this process. I think the other great advantage to having her handle it is I can reach out to her anytime I have any issues or questions with the insurance company and she deals directly with them. I recently had an issue where they were not waiving my premium for the life insurance I ported when I had to stop working. Rachel not only got my premiums waived going forward, she got me a refund of all my premiums going back several years. One of the smartest things I’ve done was to contact Dell and Schaefer when my LTD was denied.

Attorney Rachel Alters:

Thank you for your kind words Mike. I am happy we were able to win your appeal and get your LTD and waiver of premium benefits reinstated! We make sure our appeals are extremely detailed and contain a great deal of medical support to ensure our clients have the best chance at winning their case. In your case, as with many others, our hard work definitely paid off.


Hello, I’m receiving SSDI and LTD benefits thru Hartford. Hartford is reviewing my case based upon the 24 month limitation re: ability to do ANY job in the national economy, a pretty low bar. I’m a nurse with severe spinal and other musculoskeletal issues. I’ve been diagnosed with a connective tissue disorder since my initial application, which explains the condition of my spine and joints. I anticipate my benefit will be cancelled. They sent me psych forms even tho my disability is based on medical issues. I’m hoping they can’t mess with my SSDI. I’ve decided to turn it over to an attorney if I’m cancelled. Is your fee 25% of recovered $?

Victor Pena:


To determine an appropriate fee would require an analysis of your claim at the time of denial. If Hartford denies your claim please contact one of our attorneys to discuss your options.


After working for a school District for 15 years, I was recently denied my STD through Principal. I requested a copy of my claim and feel there is a lot wrong with what she filled out or lack there of. It says I now have 180 days to appeal. I’m sure I will. However, does that mean if I do not appeal that I will not receive Long term disability because of the short term denial? My LTD is through Broadspire.

Attorney Rachel Alters:

Michelle, often the LTD claim is connected to the STD claim and will not even be considered until the STD claim has been approved and paid. But if the LTD claim is not through Principal and not connected to your STD claim then you may be able to file for the LTD claim separately. I would call Broadspire and ask them if they will accept an application. In the meantime I recommend that you appeal the STD claim within the 180 days or you will lose the right to the claim and the right to sue Principal.

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