How We Help Long Term Disability Claimants
Over an individual’s career, the possibility of suffering a long-term disability is several times greater than the possibility of death. The financial blow dealt when you’re out of work for a long time as a result of illness, accident or injury is softened by benefits paid by long term disability (LTD) insurance. You may already have an LTD insurance policy provided by your employer that agrees to pay a significant percentage of your salary if you’re unable to work for extended periods of time. However, having your disability claim approved by your insurance carrier can be an uphill legal battle; one that you’re more likely to win with the aggressive representation from an experienced long term disability attorney.
Applying for long term disability
Insurance company paperwork is intentionally designed to encourage answers that result in a denial. An LTD attorney helps you navigate the traps and increases your chance of success.
Support during the review process
If you are on pay status but your long term disability claim is being reviewed, you want to be proactive and have a lawyer on your side helping you out. The insurance companies have lawyers and experts constantly looking for excuses to terminate your claim. You should have a lawyer on your side also.
Appealing a denial or termination of LTD benefits
In the event of a wrongful denial or termination of LTD benefits, an experienced LTD attorney will counter the tactics used by your insurance carrier, protect your rights and fight for a favorable outcome. A person typically has 180 days to appeal a denial. The appeal process is complicated: You need an experienced lawyer working for you.
Filing an ERISA LTD lawsuit in Federal Court
ERISA is a unique area of the law. For the most part, general practitioners decline representing claimants in these cases because they are not familiar with the legal complexities involved. An ERISA LTD lawsuit cannot be filed in State court. Pursuant to Federal Law, these cases can only be filed in the U.S. District Court. RamosLaw is well-acquainted with ERISA disability disputes and with the process in the U.S. District Court. Hiring an experienced ERISA lawyer to fight for your disability insurance claim can increase the chances of a favorable outcome in your case.
Monitoring your claim to protect your benefits
Your LTD attorney will monitor and maintain your disability benefits so you can get quick respite, enjoy peace of mind, and turn your financial situation around.
RamosLaw is a trusted Connecticut long term disability attorney with experience safeguarding claimants’ rights. Our aggressive representation wins cases for our clients. Our personalized service alleviates the stress of the legal entanglement fostered by the insurance industry.