Hiring An Arkansas Long Term Disability Attorney After Policy Denial
Receiving notice that your long term disability claim has been denied can be a devastating experience. You were being responsible for your family’s well being when you signed up for the insurance policy. You have dutifully paid your premiums for years on end and when you actually need what you paid for, it’s denied.
Fortunately, an initial long term disability insurance denial does not mean the end of your claim and that you are out of options. You have the right to appeal a denied long term disability claim. However you must be aware that strict deadlines apply to the time in which you must appeal after receiving notice that your claim has been denied.
If you have been denied an ERISA long term disability claim, you must take action to consult with an Arkansas long term disability attorney regarding your options to appeal the decision IMMEDIATELY!
The Krebs Law Firm LLC offers advice on every step in the appeals process, including:
• Understanding why your claim was denied
• Setting deadlines for completing your appeal
• Documenting all interaction with the insurer
• Gathering additional documentation or supporting information
• Writing an appeal letter
• Following up with the insurance company
By helping you understand the reason your claim was denied in the first place, and addressing the weaknesses or mistakes, we work to help you file an appeal that offers you the best chance of obtaining benefits. We will also help through additional appeals processes if required by your insurer.
Taking Your ERISA Long Term Disability Case to Court
In some cases, long term disability insurance carriers refuse to honor their agreement, even though you have fulfilled your end of the bargain and are legally entitled to receive benefits under your policy. In some cases, the appeals process is overly complex as the LTD insurer makes it as difficult as possible for you to get them the information needed to appeal a denial.
In any situation in which you have appealed an ERISA long term disability denial directly to the insurance company, and have been turned away again, you have the right to file a lawsuit and have your case reviewed by a federal judge. Unlike traditional litigation, court proceedings relating to ERISA LTD appeals involve no testimony from either party. Instead, the judge is given a copy of the appeal to review before making a judgment.
With the judge offered such a limited amount of information to work with, it is important that your appeal documents every detail of your case, a task that our attorneys will work diligently on.