When an injury or illness prevents you from working in El Paso, your family finances can suffer. A long term disability claim can provide the support you need to make ends meet; however, insurance companies routinely deny valid claims. If you’re facing this challenging situation, the team at Marc Whitehead & Associates is here to advocate for your rights.
Our El Paso long term disability lawyer understands the tactics insurers use to avoid paying claims. We’ll work tirelessly to build a case supporting your inability to work and your eligibility for benefits. If additional documentation is needed, we’ll ensure all evidence is properly submitted.Â
Should the insurer still deny your rightful claim, we’re prepared to navigate the complex appeals process on your behalf. If appeals are unsuccessful, our El Paso Disability lawyers will not hesitate to take your case to court. We’ll build a powerful legal strategy and fight to secure the Long Term Disability payments you deserve under the terms of your policy. Call us today.
Potentially Qualifying Conditions in Long Term Disability Claims
As long term disability attorneys, we understand that a wide range of medical conditions can potentially qualify for long term disability benefits. While every case is unique, and eligibility depends on the specific policy language and the extent of the impairment, certain types of disabling conditions are commonly seen in long term disability claims. Here are some examples:
- Musculoskeletal disorders: Conditions affecting the bones, joints, and muscles can severely limit an individual’s ability to perform physical job duties. This includes debilitating back injuries, rheumatoid arthritis, degenerative disc diseases, and chronic pain disorders.
- Neurological conditions: Diseases and disorders of the nervous system, such as multiple sclerosis, Parkinson’s disease, epilepsy, and chronic migraines, can cause significant impairments and qualify for long term disability benefits.
- Cardiovascular diseases: Heart conditions like coronary artery disease, congestive heart failure, and chronic arrhythmias can limit physical exertion and endurance, making it challenging to work in many occupations.
- Mental health disorders: Severe and persistent mental health conditions, such as major depressive disorder, bipolar disorder, anxiety disorders, and post-traumatic stress disorder (PTSD), can significantly impact an individual’s ability to function and perform job duties.
- Cancer and other chronic illnesses: Certain types of cancer, as well as chronic illnesses like lupus, fibromyalgia, and chronic fatigue syndrome, can cause debilitating symptoms and side effects from treatment, potentially qualifying for long term disability benefits.
- Cognitive impairments: Conditions that affect cognitive function, such as traumatic brain injuries, stroke, Alzheimer’s disease, and other forms of dementia, can make it difficult or impossible to perform job tasks requiring concentration, memory, and problem-solving skills.
It’s important to note that the severity of the condition, its impact on the individual’s ability to work, and the specific policy language will determine eligibility for long term disability benefits. Our team can evaluate your unique circumstances, review your policy, and guide you through the process of filing a claim or appealing a denial.
Our Attorneys Can Help With Both Kinds of Long Term Disability Claims in El Paso
Navigating long term disability claims can be a complex and daunting process, whether you’re dealing with an employer-provided group policy governed by ERISA or an individually purchased long term disability insurance plan. Having our El Paso long term disability team on your side can make a difference. Take a look at how we can help with either type of claim.
ERISA Long Term Disability Claims
The Employee Retirement Income Security Act (ERISA) sets strict regulations and procedural requirements. Our El Paso ERISA attorneys are well-versed in the intricacies of this federal law, and we can provide invaluable assistance throughout the claims process:
- Ensuring compliance with ERISA deadlines and administrative procedures
- Gathering and presenting compelling medical evidence to support your claim
- Representing you during administrative appeals and hearings
- Challenging denials or terminations of benefits in federal court, if necessary
Individual Long Term Disability Claims
If you have an individually purchased long term disability policy, our team can help you navigate the claims process and protect your rights under state laws and contract provisions:
- Reviewing your policy to understand the specific terms and requirements
- Communicating with the insurance company on your behalf
- Negotiating settlements or buyouts that are in your best interest
- Filing lawsuits against insurers for bad faith practices or breach of contract
- Litigating your case in state court to recover the disability benefits you are owed
Regardless of the type of disability claim you’re dealing with, Marc Whitehead & Associates will provide personalized attention to your case. We understand the tactics insurance companies use to deny or underpay claims, and we have the knowledge and resources to counter their strategies.
Don’t let the complexities of long term disability claims overwhelm you. With our El Paso long term disability lawyers on your side, you can have peace of mind knowing that you are receiving client-focused legal care.
Call Us for Help With Your El Paso Long Term Disability Claim or Appeal
Don’t let an insurance company’s bad faith practices jeopardize your financial well-being. With our El Paso LTD attorneys in your corner, you can focus on your health while we take on the battle of ensuring you receive your hard-earned benefits.Â
Our founding attorney, Marc Whitehead, is dedicated to helping his clients and their families recover the benefits that can help them adjust in difficult times. When it comes to Disability law, he wrote the book on the subject! Contact us today to learn how our legal team can protect your rights and future.
