Don't give up. The experienced attorneys at Montgomery & Ponder, LLC are here to help.
If you suffer from a serious medical condition and cannot work, you may be able to apply for long-term disability benefits. Long-term disability insurance is supposed to provide financial support to those who cannot work for an extended period of time due to a disabling medical condition. This may include arthritis, Lyme disease, liver disease, lupus, multiple sclerosis, heart disease, carpal tunnel syndrome, cancer, mental disorders, and more.
Long-Term Disability Insurance is usually obtained through an employer-sponsored group plan that is often governed by the Employee Retirement Income Security Act of 1974 (ERISA). However, some employees, self-employed individuals and professionals may have individual policies. Such individual policies and many government employee plans are not governed by ERISA. Whether ERISA governs your particular policy makes a difference in how claims are processed and it is important to have an attorney experienced in this area to help navigate the process.
Have You Been Denied Coverage? We Can Help.
When you receive a denial letter from a long term disability carrier it can be frustrating and overwhelming. Often times legitimate claims are denied because insurance companies look for every possible legal and technical angle available, that will allow them to deny a valid claim. When an insurer does not live up to its end of the contract and acts unreasonably, the insurance company could be guilty of bad faith. In addition to denial, other forms of insurance bad faith include:
- Partial payments on disability claims;
- Unreasonable denial, delay, or policy termination;
- Concealing benefits from policyholders; and
- Misclassifying injuries to prompt claim denial.
It is important to know that a denial or low offer isn’t the end of the claims process. If your claim has been rejected, know your rights and options. Contact us as soon as possible. We can help get you the compensation you deserve. Contact us today for a free, no-obligation legal consultation by calling (205) 377-5004.