If you’ve been denied long term disability benefits, the decision to hire an attorney to fight the denial is perhaps the most important decision you can make. Retaining the right disability lawyer – one with the experience, skills and resources to fight powerful and well-funded insurance companies – can have a tremendous impact on your case.
When you go up against an insurance provider who won’t stand behind the policy they’ve sold you, rest assured they have their own team of attorneys and experts doing everything possible to avoid paying your claim. You need seasoned attorneys on your side who are even more resolved and resourceful than they are.
Ask Us About Your Claim Today.
If you were denied long term disability benefits, Social Security Disability or Veterans’ Disability Compensation, we are prepared to help you now. 1-800-562-9830
For over 20 years, our law firm has helped the disabled take on the nation’s most powerful insurance companies.
Was Your Disability Claim Denied for Private or Group Disability Insurance?
There are two types of disability insurance coverage and the laws that apply in each type are very different. We can assist you in either case:
- Group / Employer-Sponsored Disability Insurance (ERISA)
- Individual Disability Insurance (Private Disability)
Group Disability Insurance:
Group disability is provided by or purchased through your employer, and is the most common form of disability insurance. If your claim is under a group policy, it will be governed by a strict law called ERISA, which is short for Employee Retirement Income Security Act.
Unfortunately, ERISA law protects and favors insurance companies, not disabled claimants. To prevail in these claims, your lawyer should have a deep knowledge of ERISA law and a background of success in representing ERISA claim denials. To learn more, read about group disability regulations and how our ERISA disability insurance lawyers are able to assist you.
Individual Disability Insurance:
Individual disability policies are a private form of disability insurance that are underwritten for an individual consumer. Many professionals in specialty occupations such as physicians, dentists and lawyers purchase this type of insurance as a form of income replacement in the event they become disabled by illness or injury. An individual policy may also be used to supplement a group disability policy.
If your denied disability claim is under a private policy, state insurance law applies (not ERISA). This is good for you because most state laws offer a higher level of protection to claimants that are not available under ERISA. Depending on the state law where the policy was issued,
- We may be able to seek punitive damages and other damages;
- Legal remedies – such as breach of contract and bad faith – are highly appropriate to the resolution of disputes between you and the insurance company who wrongly denied your claim;
- You are entitled to a jury trial (instead of a federal judge deciding your appeal);
- You are allowed to enter new evidence outside the claims file.
A qualified bad faith insurance lawyer is essential in appealing private disability claims and proving your claim to the court.
Our Lawyers for Disability are a National Voice for the Disabled
No matter how strong your disability claim may be, you can find yourself up against a wall of delays and rejection. Insurance providers count on most people giving up after a claim is denied the first or second time.
Without a disability insurance attorney’s help, a claimant is hard-pressed to challenge the insurance company on complex policy terminology, issues of medical, vocational and objective evidence, and the complex rules and procedures involved in the type of disability claim they have.
Don’t Give Up! Fight Your Insurance Company on Equal Footing
At Marc Whitehead & Associates, our experienced insurance lawyers have helped thousands of disabled individuals across the U.S. win the benefits they deserve. You must not delay in beginning the appeal process. Contact a denial of benefits lawyer who will fight for you every step of the way.
We provide a free case evaluation, and there is no obligation to hire us. We will examine your claim, and explain your rights under the law so you will know how you can best pursue the benefits you deserve. If you choose to hire our firm, you only pay us if you are successful in your appeal.