If you are someone who has a back injury and are being denied group long-term disability benefits governed by ERISA, then you are not alone. ERISA stands for the Employee Retirement Income Security Act, and it is a federal law that governs most employer-provided long-term disability plans. Unfortunately, it is not uncommon for insurance companies to deny benefits, leaving individuals struggling to pay their bills and support their families.
As lawyers representing disabled people with back injuries, we have seen firsthand the difficulties that individuals face when they are denied long-term disability benefits. The good news is that you do not have to accept the denial of benefits without a fight. You have the right to appeal the decision and seek the benefits that you are entitled to under your plan.
The first step in appealing a denial of benefits is to understand the reason for the denial. Insurance companies are required to provide a written explanation for the denial, and this explanation should detail the specific reasons why your claim was denied. Once you understand the basis for the denial, you can begin to build your appeal.
One of the most important things to keep in mind when appealing a denial of benefits is to be persistent. Insurance companies have a vested interest in denying claims, as it saves them money. However, you have a right to pursue your claim and receive the benefits that you are entitled to under your plan.
Another important consideration when appealing a denial of benefits is to have an experienced ERISA attorney on your side. ERISA law is complex, and it requires a lawyer with knowledge and experience in this area. Your attorney can help you navigate the appeals process, gather the necessary medical evidence, and prepare a strong case to present to the insurance company.
In addition to having an experienced ERISA attorney on your side, it is also important to be proactive in gathering the evidence you need to support your claim. This may include obtaining medical records, obtaining opinions from your treating physicians, and gathering any other relevant information that can help support your claim.
Finally, it is important to be patient throughout the appeals process. Appeals can take time, and it is not uncommon for it to take several months or even longer to resolve your claim. However, if you are persistent and have a strong case, you can increase your chances of receiving the benefits you are entitled to under your plan.
In conclusion, if you are someone who has been denied long-term disability benefits governed by ERISA, don’t give up hope. With the help of an experienced ERISA attorney, you can appeal the decision and seek the benefits that you are entitled to under your plan. While the appeals process can be challenging, it is important to be persistent and proactive in building your case. With the right approach, you can increase your chances of success and secure the financial support you need to move forward with your life.
Don’t go it alone! Contact Walker & Hern today for a free attorney consultation!