When a medical condition has made it impossible for you to work and support your family, the last thing you want to hear is that your insurance company has rejected your claim for long term disability (LTD) benefits.
Unfortunately, this happens all too often. Don’t give up – ERISA and other state and federal laws give individuals the right to appeal an insurance company’s decision when they deny a claim for disability benefits.
The Deer Park disability attorneys at Marc Whitehead & Associates have been helping disabled individuals and their families in Deer Park, Pasadena, Jacinto City, Galena Park, Channelview, Cloverleaf, Sheldon, Highlands, LaPorte, Baytown, Lynchburg, McNair and the entire East Houston metro area obtain the benefits they deserve after an LTD benefits has been denied by an insurance company for over 25 years.
Marc Whitehead & Associates represent clients at every step of the LTD benefits process. We can review your application, prepare your appeal, represent you in administrative reviews and, if necessary, argue your case in front of a federal judge. Our team of highly experienced Deer Park disability benefits attorneys has a winning record when it comes to overturning a denial of LTD benefits claim on appeal.
Excuses the Insurance Companies Use to Deny a Disability Benefits Claim
The insurance companies employ many strategies to deny, delay or terminate disability benefits. Some of the common arguments an insurance company will use to deny or terminate benefits include:
- You are not “disabled” according to the policy definition of “disabled”;
- Your disabling condition – such as fibromyalgia, chronic fatigue, or anxiety – is not based on objective medical evidence, but is “self-reported” and “subjective”;
- Your disability is only covered for 24 months because it is a “mental/nervous” condition;
- Your disability is based upon a pre-existing condition;
- You weren’t eligible for coverage at the time the disability occurred;
- Your injury is “work-related” and should be handled through a Workers’ Compensation claim
- You were caught on video surveillance driving to and walking around the grocery store, therefore you are able to do more physical activities than you reported.
We’ve heard all these excuses before. Our attorneys possess the resources and skills to develop an effective case that clearly reveals the full extent of your disabling condition, that you are in fact not able to return to work, and challenges the decision and intent of the insurance company.
When Should You Enlist a Deer Park Disability Lawyer?
Don’t give up on getting the disability benefits you paid for and deserve because an insurance company turned down your initial claim.
The same laws that give you the right to appeal an insurance company’s decision to deny benefits also place strict deadlines for filing your appeal. The sooner you enlist the aid of the experienced Deer Park Disability Attorneys at Marc Whitehead & Associates the better your chances of getting their decision overturned on appeal.
Deer Park Disability Insurance Lawyers Marc Whitehead & Associates Can Help
If the Hartford, Aetna, Cigna, UNUM, Liberty Mutual or other insurance company has denied your claim for disability benefits, we urge to reach out to the law firm of Marc Whitehead & Associates to schedule a free, no obligation consultation with an experienced Deer Park disability insurance lawyer. We will review your case, answer any questions you may have and provide honest, professional advice on the legal options available to you.
Our legal team is sympathetic to the unique needs of our disabled clients and their individual situations. We take care of all of the legal matters, and all the paperwork, so you and your family can focus on providing the care you need to manage your disability and the effects it has on your life.
Our expertise isn’t limited to just Employer Group LTD insurance claims; we also represent individuals in disputes pertaining to:
- Individual Disability Insurance (IDI)
- Bad faith insurance claim litigation
- Social Security Disability Appeals
- Veterans Disability Claims and Appeals
In some instances, you may be entitled to disability benefits from multiple sources. We will identify and fight to get you all the benefits you deserve.
Attorney Marc Whitehead is a pre-eminent Texas disability denial attorney handling long-term disability matters in state and federal courts. He’s Board Certified in Social Security Disability Law by the National Board of Social Security Disability Advocacy, an Accredited Veterans Claim Attorney as required to practice law before the VA and Board Certified by the Texas Board of Legal Specialization in Personal Injury Trial Law.
Most of our Deer Park disability insurance cases are handled on a contingency basis, which means there are no fees until we succeed in obtaining benefits for you. If your claim has been denied, lowballed, excessively delayed, or you simply can’t get the answers you need, we are prepared to help.
We look forward to providing clients throughout East Harris, Liberty, Montgomery, Chambers and Jefferson counties with the highest standard of legal assistance and personal service.