You qualify for fibromyalgia Long Term Disability (LTD) benefits, which you believe will serve you well for the foreseeable future. Therefore, you submit a claim to your insurer for LTD benefits, but your request is denied.
Meet with a fibromyalgia Long Term Disability lawyer to get insights into why your claim was rejected. If warranted, your attorney will appeal on your behalf.
The team at Marc Whitehead & Associates has more than 120 years of combined experience. Trust an LTD attorney for fibromyalgia from our team to help you get the benefits you deserve. Discuss your fibromyalgia LTD benefits case with a Long Term Disability lawyer.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
Why Choose Our Fibromyalgia Long Term Disability Claim Lawyers?
Your fibromyalgia Long Term Disability attorney understands the challenges you will face if you appeal your denied LTD benefits claim. They will address these challenges and help you make informed decisions at each stage of the appeals process.
Initially, your nationwide disability lawyer will review your claim denial letter with you. Next, they will search for evidence to prove that your claim is valid and file your appeal. As you go through the appeals process, your attorney will provide frequent updates. Any time you have concerns or questions about your appeal, your attorney will address them promptly.
Marc Whitehead & Associates has earned over 1,500 five-star reviews. We strive to be the premier Long Term Disability law firm for fibromyalgia.
Give us the opportunity to serve as your legal representation in the aftermath of your denied fibromyalgia LTD benefits claim. For more information, request a consultation with us.
For a free legal consultationwith a fibromyalgia disability claim lawyer serving Nationwide, call (800) 562-9830
Why Will a Fibromyalgia Long Term Disability Claim Get Denied?
Unfortunately, insurance companies will look for any reason to deny your fibromyalgia Long Term Disability claim. Your fibromyalgia LTD lawyer can explain the reasons insurers often reject claims, such as:
Lack of Objective Medical Evidence
A doctor may diagnose a patient with fibromyalgia based on their reported symptoms in lieu of medical tests. Meanwhile, insurance companies typically require evidence that can be seen or measured with MRIs, blood work, or other tests, which are unavailable for fibromyalgia.
Subjective Symptoms
People coping with fibromyalgia can experience symptoms like brain fog, pain, and fatigue. These and other symptoms can make it tough for someone to work.
At the same time, they are difficult to quantify. Thus, if your insurance company has concerns about your fibromyalgia symptoms and how they impact your ability to work, the insurer will likely deny your claim.
Policy Exclusions or Limitations
Some Long Term Disability insurance policies exclude coverage for fibromyalgia. There are also times when LTD policies limit benefits to a specific period, like 12 to 24 months, to those dealing with fibromyalgia symptoms.
It can feel like the end of the world to have your fibromyalgia Long Term Disability claim denied for these or other reasons. Thankfully, you can get legal help.
Your fibromyalgia LTD attorney can advocate for you, file your appeal, and put you in a great position to have your insurer’s decision overturned.
Nationwide Fibromyalgia Disability Claim Lawyer Near Me (800) 562-9830
How to Appeal a Long Term Disability Denial for Fibromyalgia
Long Term Disability claim lawyers for fibromyalgia can submit a formal appeal to your insurance company. Here are the steps your LTD claim attorney for fibromyalgia will take during the appeals process.
1. Gather Evidence
Your disability insurance claim lawyer for fibromyalgia will collect medical records and other proof and encourage you to get a functional capacity exam to strengthen your appeal. They can also obtain statements from family members and coworkers who can describe how your condition is affecting you.
2. Write Your Appeal Letter
This letter will be detailed, non-argumentative, and persuasive. It will explain why you deserve Long Term Disability benefits for fibromyalgia and reference specific parts of your insurance policy and your evidence.
3. File Your Appeal
Ideally, the appeal will hit the mark with your insurance company, leading to the reversal of your Long Term Disability denial for fibromyalgia. If your insurer affirms its original decision, your lawyer can pursue further legal action to fight your fibromyalgia disability benefits denial.
Per the Employee Retirement Income Security Act (ERISA), you generally have 180 days to appeal a denied LTD benefits claim for fibromyalgia. However, the deadline for submitting an appeal can vary for private insurance policies.
Our Fibromyalgia Long Term Disability Lawyers Have Been Making Insurance Companies Keep Their Promises for Over 30 Years
You have no idea how to respond to your fibromyalgia LTD disability claim denial. Talk with fibromyalgia Long Term Disability attorneys who know the ins and outs of the appeals process. Your lawyer will guide you through this process and boost your chances of securing your LTD benefits right away.
Marc Whitehead & Associates is a trusted choice for those in need of legal representation after their fibromyalgia Long Term Disability benefits request has been denied.
Our Long Term Disability attorneys will build a case as strong as possible for you to achieve your desired outcome. Schedule a consultation with us.