Long Term Disability Lawyer – Nationwide

Many employers offer long-term disability insurance plans which cover employees in the event that they become disabled and unable to work. Unfortunately for employees who are disabled, it can be an uphill battle to get their long term disability benefits approved by their insurance company.

When disability insurance companies evaluate claims, they work under inherent conflict of interests because they increase their profits when they deny your claim. Due to this inherent conflict and to the unscrupulous practices of some, it has become a common practice for disability insurers such as Cigna, Unum, Prudential, MetLife, The Hartford, Sun Life and Aetna to deny valid disability claims at the outset or after paying for just a few years of benefits. In denying these long-term disability benefits, these companies usually assert that a person’s condition has improved or that the definition of the disability in the policy has changed.

The majority of the long-term disability insurance policies in the United States are governed by the Employee Retirement Income Security Act of 1974, a complex federal law, also known as ERISA. Unfortunately, ERISA clearly favors disability insurance companies and disabled claimants and their lawyers must work relentlessly to get their benefits approved. Once a disability claim is denied by an insurance company and all administrative appeals have been exhausted, the claimant’s only recourse is to pursue an appeal in Federal District Court. This process can be long and complicated. The good news is that RamosLaw is willing and able to take these challenging cases and fight for their client’s long-term disability benefits.

If you have been denied long-term disability benefits, RamosLaw offers a free evaluation to determine if the firm can assist you in obtaining or reinstating those benefits. When a long-term disability claimant is denied, there is typically a 180 day period in which to submit an administrative appeal to the insurance company that denied the claim. If this is not done, it may be impossible to later challenge the denial in court. Once you receive a denial letter, it is important to contact a long-term disability lawyer as soon as possible. Cases have been won or lost depending on the quality of the administrative appeal. In most cases, our law firm will complete the administrative appeal for you as part of our legal services.

Talk to a Lawyer Before you Apply for Disability Benefits

Long Term Disability Insurance policies provide benefits when a person is seriously injured or too ill to be able to work. For most employees, applying for benefits under these types of policies is a difficult decision to make. Many aren’t sure whether they qualify for benefits under the terms of the plan and are afraid that they might face difficult financial consequences if they don’t succeed. At Ramos Law we provide a free initial evaluation regarding a disability claim while a person is still working.

By providing these pre-application services, we hope to avoid many unfair claim denials. Before you decide to stop working, we will study the “definition of disability” in your policy and decide ahead of time what proof is required to win your claim for benefits.

Attorney Ramos has vast experience in labor and employment matters pertaining to the American with Disabilities Act (ADA) and the Family Medical Leave Act. He can also provide legal advice regarding any work related issues that might arise during the pre-application period.

Call for a Free Pre-Application evaluation: (860) 519-5242 or please feel free to contact us.

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