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Chicago LTD Benefits Appeal Lawyer

Chicago LTD Benefits Appeal Lawyer

Long term disabilities can happen to anyone and at any age. When they do, long term disability (LTD) benefits offered through your employer can help maintain your financial security. Unfortunately, in too many cases, these benefits end up being denied or disputed. At the Law Offices of Michael Bartolic, our Chicago LTD benefits appeal lawyer provides the professional legal representation you need to get the benefits you deserve.  

Denied Long Term Disability Benefits?

According to the Centers For Disease Control and Prevention (CDC), roughly a quarter of all adults suffer from some type of physical, emotional, or cognitive disability that impacts their ability to work or perform simple daily tasks. Long term disability benefits can provide a lifeline in this situation. While these benefits are often available through your employer, it is not uncommon for them to be denied or disputed. 

At the Law Offices of Michael Bartolic, we offer the trusted legal guidance you need in this situation. Our experienced Chicago LTD benefits appeal lawyer provides the professional legal representation you need when filing an appeal. Common reasons insurers often give for denying LTD benefit claims include: 

  • Issues in terms of policy coverage;
  • Disputes over conditions that are excluded;
  • Denials based on ‘insufficient medical evidence’;
  • Cases where the insurer claims you failed to submit the proper information or failed to adhere to claim filing timelines. 

Filing an ERISA Appeal

Employer-provided benefits are covered under the Employee Retirement Income Security Act of 1974 (ERISA). This is a complex federal law that provides guidelines in terms of how benefits are administered, the claims process, and how to file an appeal. As an experienced Chicago LTD benefits appeal lawyer, we can advise you on how this law applies in your particular case. Steps our legal team can take on your behalf in filing an ERISA appeal include:   

  • Reviewing  the exact reasons for denial of your LTD benefits, all policy-related documents, and any correspondence between you and the insurer;
  • Reviewing testimony from expert witnesses or other information the insurance company may have used in making their decision  
  • Gathering the appropriate medical records, statements from providers, and other evidence needed in support of your claim;
  • Presenting this information to the insurance company and making effective arguments in your favor before administrative judges and others assigned to your case. 

Speak With Our Chicago LTD Benefits Appeal Lawyer Today

There are strict timelines to follow in filing LTD appeals. To ensure you get the benefits you deserve, reach out to the Law Offices of Michael Bartolic today. Call or contact our office online and schedule a consultation to speak with our Chicago LTD benefits appeal lawyer.

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