Nationwide Long Term Disability Attorney

Employers often make long term disability (LTD) insurance policies available to their employees. These benefits are provided in an effort to cover workers who have become disabled, and are thus unable to work. However, disabled employees frequently find that it is extremely difficult to get their LTD benefits approved.

Not surprisingly, insurers earn greater profits by denying insurance claims. Unfortunately the unscrupulous practice of rejecting legitimate claims has become routine for many disability insurance companies. These insurers include Cigna, Unum, Prudential, MetLife, The Hartford, Sun Life and Aetna, among others. Claims are often either initially denied or, revoked after providing benefits for only a short period of time. To validate these actions, insurers usually claim that the definition of a disability in the policy has changed. Or, in other cases, argue that the disabled worker’s condition has improved.

The Employee Retirement Income Security Act of 1974 (ERISA) is the federal law which governs most of the LTD insurance policies within the United States. Disappointingly, ERISA is known to favor insurance companies over claimants. LTD lawyers and their clients must work relentlessly to navigate ERISA’s complexities. Those who use a lawyer that truly knows ERISA, stand a much better chance of winning benefits.
Once a disability claim is denied and all administrative appeals are exhausted, pursuing an action in federal district court becomes the claimant’s only remaining option. And that in itself can be another long, complicated process. Fortunately, RamosLaw is a well-experienced LTD law firm that is fully prepared to follow through in the fight for your benefits.

RamosLaw proudly offers a FREE consultation for LTD clients whose benefits have been rejected. Once a claim is disallowed, there is typically a 180-day period during which an administrative appeal can be filed with the insurance company. The timing and quality of this appeal is crucial to the success of the case. If not completed properly and within a timely manner, the opportunity to present a court challenge against the denial may be lost. For this reason, quickly contacting a highly qualified LTD lawyer is crucial. In most circumstances, RamosLaw will handle the administrative appeal for you as part of our legal services.

Before You Apply for Disability Benefits Talk to a Lawyer

RamosLaw also provides a free initial disability claim consultation while you are still working; prior to your application for LTD benefits. Many people aren’t sure if their injuries or illnesses will qualify them for benefits under their plans, and are understandably worried about facing financial difficulties in the event of an adverse outcome.

We offer our pre-application services to avoid unfair insurance claim denials. We study your policy prior to your claim in order to prepare you for what to expect, as well as to determine what documentation is required for you to win your benefits.