Friendswood

A Full Service Disability Insurance Law Firm Representing Clients in Friendswood and all of Texas

If your insurance company has turned down your claim for disability benefits, the Friendswood disability claim attorneys at Marc Whitehead & Associates are here to help. Being unable to work and getting a letter of denial for your LTD benefits insurance claim can be a devastating blow. There’s hope though: ERISA and other state and federal laws give policyholders the right to appeal the insurance company’s decision.

Marc Whitehead & Associates have helped clients in Friendswood, Pearland, Webster, League City, Texas City, Kemah, Alvin, Manvel, Seabrook, Santa Fe, Galveston and other South Houston area communities whose group and individual LTD disability insurance claims have been wrongly denied or terminated by their insurer. We provide experienced representation at all levels of the LTD benefits process, from helping you file your initial application, to preparing an appeal, representing you in administrative reviews and, if necessary, arguing your case in front of a federal judge. Our team of highly respected Friendswood insurance benefits attorneys have an impressive track record when it comes to overturning a denial of LTD benefits claim on appeal.

The laws governing your long term disability appeal depend upon the type of LTD policy you have:

If your disability policy is a group plan sponsored by your employer, it falls under rigid federal law known as “ERISA.”
You may have a private or individual disability insurance policy which you purchased through an agent. Private disability claims are regulated by state insurance laws.
ERISA regulations and state contract and insurance laws and processes are notably different. Plus, each policy has its specific definition of “disability” and many other provisions which must be met. Basically you have to prove to the insurer (and in some cases to the court) that you cannot return to work.

LTD Disability Claims

The insurance companies often deny a claim or delay making a decision a claim as a tactic to discourage a policyholder from seeking benefits. The language used in disability insurance policies is meant to be confusing and misguide you. That’s why claimants are most successful when they have strong representation from experienced Friendswood disability attorneys.

By focusing our practice on helping disabled individuals obtain the LTD benefits they’ve paid for and deserve, Marc Whitehead & Associates has become trusted advocates for families in Friendswood and the entire Houston TX metro area, including Harris, Galveston, Ft Bend and Brazoria Counties.

Don’t delay seeking assistance. ERISA has strict deadlines for filing an appeal. The sooner you get an experienced Friendswood disability lawyer to represent you, the stronger your case will be.

You can start by contacting the law offices of Marc Whitehead & Associates to schedule a free, no obligation consultation with one of our Friendswood disability claim attorneys to evaluate your claim. We’ll review your policy, examine the insurance company’s rationale for denial, and provide you with the information you need to decide if pursuing legal action is in your best interest.

Friendswood Disability Attorneys for Any Disability Claim Dispute

We’ve resolved many types of disability benefit claim denials and disputes pertaining to:

Attorney Marc Whitehead is a 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.

When you need a skilled Texas disability attorney with extensive expertise in disability insurance law, call Marc Whitehead & Associates. Most of our Friendswood disability 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.