Many people in Gilberts are covered under long term disability insurance, and commonly, this coverage is sponsored by a private employer. If you are employed privately and your employer is responsible for your group disability benefits, then you are covered under the Employee Retirement Income Security Act (ERISA) in the event that you become disabled and apply for benefits.
If you are covered under ERISA and suffer a disability, it is very important that you work with an ERISA long term disability lawyer in Gilberts. While you may think that your disability is obvious – and therefore that your claim will be approved without issue – ERISA tends to protect insurers, and claims that are filed without legal counsel are often rejected.
Who Is Eligible to Receive Long Term Disability Benefits?
As stated above, if you are disabled and have an employer-sponsored long term disability insurance policy, you may file a claim. At the law offices of Michael Bartolic, LLC, we help disabled individuals get the benefits they need, and represent claimants suffering from a variety of disabling conditions, including:
The above list is not inclusive; we represent claimants suffering from all disabling conditions.
Keep in mind that a claimant need not be insured on the job in order to qualify for long-term disability insurance under an employer’s group plan; rather, this is what workers’ compensation insurance is for. In fact, most disabilities – incurred for whatever reason – are usually covered.
You Need a Gilberts ERISA Lawyer On Your Side
Unfortunately, over the years ERISA has become less employee friendly than it once was, and every year, countless claims for long term disability benefits are denied. If your claim is denied, you have the right to file an appeal under ERISA. However, all the insurer needs to do to win the appeal is to provide a small bit of evidence to support the original denial. Reasons for ERISA claim denials include failing to prove your disability or its affect on your vocational abilities, failing to file your claim within the required time frame, or making a minor error on your application.
Contact the Gilberts Long Term Disability Attorneys at Michael Bartolic, LLC
At the law offices of Michael Bartolic, LLC, we assist our clients in receiving the long term disability benefits they deserve, whether from a private insurance or a group employer insurance plan. If you carry a long term disability policy and want to claim your benefits, please contact us today for a free consultation. We know how to file an application correctly in order to improve the chances of your claim for benefits being approved, and can represent you in the event of a denied claim.
To schedule your free case review, contact Michael Bartolic, LLC today online or by phone at 312-635-600. We care about you!