Do not let your insurance company push you around. If you are being treated unfairly, such as wrongful surveillance, having to see their doctors for exams, or are being forced to comply with an unreasonable amount of updated medical information - you have rights.
Under the Employee Retirement Income Security Act (ERISA) you have 180 days to request an Administrative Appeal before the insurance company's decision becomes final.
You have the right to request a complete copy of your file, even the medical reports and the insurance company's internal notes. You and your attorneys also have the right to request your policy, vocational reports, summary plan description documents, and all relevant information the insurance company used to deny your claim.
You have the right to file a formal written administrative appeal and attach updated medical information. Your doctors have the right to respond to the insurance companies doctors and provide clarification on your disability. Your attorney also has the right to provide an in depth legal analysis to the insurance company during the appeal process. Having this done early on in the process will help you be successful in the event that the insurance company denies you and you have to file a lawsuit against them in the future.
You have the right to file a lawsuit against the insurance company after the first denial. This is important. Appealing your case further may, at times, only strengthen the insurance company's position. Beware of pursuing further appeals - filing a lawsuit immediately may be your best option. Contact an attorney today to discuss your rights.
We've fought and won against all of the insurance companies
Insurance companies will stop at nothing to protect their own interests. If your insurance company is giving you the runaround or has denied your claim, you have legal rights.
FREQUENTLY ASKED QUESTIONS
Do I need a lawyer to help me with my disability claim?
No, you do not have to hire an attorney to help you appeal, however, it is in your advantage to do so. We know the laws and have worked with your insurance company before. We know what to expect and what it takes to win these cases. You've already been denied and chances are, without our help, you may get denied again.
How much is it going to cost me?
We work on a strict contingent basis, so there are never any costs unless we are successful. Win, win.
What sets you apart from everyone else?
You aren't just a number to us, we value you and your case. We give you online access to your files and you can actually see the work we are doing. An attorney is always available to discuss your case and we guarantee you won't get the runaround from us. You've already had enough of that dealing with your insurance company.
What is your success rate?
No two cases are exactly the same, obviously we can't compare your claim to someone who is terminally ill. But we can say that we are very successful and we are able to get a very high recovery for the majority of the cases we take.
We have helped disabled individuals throughout the country and have fought against all of the big insurance companies. No case is too big or too small - no matter who you are, what your disability is, or what the stakes are, we are here to help.
We are long term disability experts and can guide you through your entire claim. Whether you have questions about the disability process, need help with filing an appeal, or want to pursue a lawsuit, we are here for you. Take a look at the insurance companies we've dealt with.
If your insurance company is threatening to terminate your claim, stating that you are no longer eligible under your policy language, or has denied your claim entirely, you have legal rights. Before taking any steps forward in your case, you should contact us to discuss your legal options. There is no obligation and we are happy to advise you on your rights and provide you with a strategy. If you want help with an appeal or lawsuit, we can discuss your options. You are misinformed if you listen to your insurance company and you are uninformed if you do not speak to us. Call us now to discuss your legal rights.