Are you struggling to get the long term disability benefits you deserve in Louisiana? Dealing with insurance companies can be a nightmare, and the complex legal process alone can be overwhelming. But there is hope – a Louisiana long term disability lawyer can help you fight for the benefits you are entitled to.
For over 30 years, the long term disability lawyers at Marc Whitehead & Associates have been tenaciously fighting for the rights of disabled individuals across the country. Led by double board-certified attorney Marc Whitehead, our firm focuses on helping people get the insurance benefits they paid for and deserve.
Don’t let the insurance company bully you. A qualified Louisiana disability lawyer can advocate on your behalf and help you secure the financial support you need.
Has Your Long Term Disability Application Been Denied, or Have Your Benefits Been Terminated?
Being denied benefits that you paid for and were counting on can be devastating – both financially and emotionally. Insurance companies are for-profit businesses, so they have a vested interest in minimizing the number of claims they pay out.
Their tactics for denying or terminating legitimate claims are endless. Don’t take “no” for an answer without putting up a fight with the help of a skilled lawyer. Our lawyers have intimate knowledge of how the insurance companies operate and can guide you through the complicated appeals process.
How Can a Louisiana Long Term Disability Lawyer Help Me With My Claim?
Dealing with a claim on your own can be an uphill battle against the insurance company’s team of lawyers and claims specialists whose goal is to minimize payouts. Having an experienced lawyer on your side from the start levels the playing field and gives you a much better chance of getting your valid claim approved.
Some key ways a skilled long term disability attorney in Louisiana can assist you:
Gathering Comprehensive Medical Evidence
Your lawyer will work directly with your treating doctors and specialists to ensure your complete medical records clearly document your conditions, symptoms, test results, opinion on limitations/restrictions, and inability to work. This helps build an air-tight case.
Handling the Appeals Process
If your initial claim is denied, the appeals process must be followed precisely according to ERISA laws, or you could lose the right to sue. A lawyer knows the procedures and deadlines and can properly supplement your file.
We can help with ERISA disability denials, private insurance disability denials, Social Security disability claims denials, and Veterans disability denials.
Representing You at Hearings/Depositions
If your case requires testimony, having an effective advocate represent you rather than an insurance company lawyer can make a major difference in the outcome.
Interpreting Policy Provisions
Policies are filled with complex language and provisions. A lawyer understands how to apply these properly to your specific situation.
Filing a Lawsuit if Needed
If you must file a federal lawsuit against the insurer after exhausting appeals, a lawyer handles all facets of aggressively litigating your case to recover the benefits owed.
Having the resources of an entire law firm working for you from day one gives you a considerable advantage over the insurance company. Don’t go it alone – hire a skilled Louisiana long term disability lawyer to advocate for your rights.
What Is ERISA?
Most long term disability insurance policies obtained through an employer are governed by the federal Employee Retirement Income Security Act (ERISA).Â
This complex law has strict procedures that must be followed precisely during the administrative appeals process before a lawsuit can even be filed against the insurer in federal court.
Having an ERISA lawyer representing you from the beginning gives you the best chance of getting your claim properly documented and all requirements satisfied.
Insurance Companies Can Turn Down Valid Claims
Insurers routinely reject legitimate claims in an effort to limit expenses and maximize profits. Our attorneys have experience handling claims and denials with insurance companies, including:
- New York Life
- Colonial Life Insurance Company
- Cigna
- Aetna
- The Hartford
- Liberty Mutual
- Penn Mutual
- Prudential
- Guardian Insurance
- Provident Life and Accident Insurance
- Unum
- John Hancock
- MetLife
Taking Cases on a Contingency Basis
We understand how financially devastating it can be when you lose your primary source of income due to disability. That’s why we take cases on a contingency basis. This means:
- You pay no upfront costs
- We only get paid if we recover benefits for you
- Our fees are a percentage of the back benefits we obtain
This levels the playing field by giving you the same high-quality legal representation the big insurance companies have without the financial risk.
Don’t just accept the insurance company’s denial of your rightful benefits. Let our accomplished team fight to get you the benefits you need and deserve. Contact us today for a free consultation.
Contact a Louisiana Disability Law Firm for a Free Case Evaluation
If you are facing a denial of your claim or are having trouble navigating the appeals process, a skilled Louisiana long term disability lawyer can provide the knowledge and support you need.
We have taken on and beaten all of the major insurance companies, including Unum, Prudential, MetLife, Cigna, and more. Our lawyers know the bad faith tactics insurers use to avoid paying legitimate claims. When you need an advocate on your side, turn to Marc Whitehead & Associates.
We handle long term disability, Social Security disability, veterans’ disability, and insurance bad faith denial cases nationwide. Our fees are contingency-based, so you pay nothing until we recover the benefits owed to you. Let us put our experience to work to get you the financial support you need. Contact us today.
