Are you are a Lake County, Illinois worker who is being kept off of the job by a long-term disability? If so, you have a right to recover benefits under an employer sponsored group insurance plan. The Employee Retirement Income Security Act (ERISA) governs most of these plans. While this federal legislation provides important protections for workers, the insurance companies have also developed strategies to use the process to their own benefit.
Sadly, many people have their long-term disability claim unexpectedly denied. Please know that your insurance company does not get the final word on your case. Far too frequently, disability claims are wrongly underpaid and unfairly rejected. At Michael Bartolic, LLC, our dedicated Highland Park long-term disability lawyers have the skills and experience to get you the full benefits that you deserve. If your long-term disability claim was denied in Illinois, please contact our legal team today.
You Have Six Months to Appeal the Claim Denial: If your Highland Park, IL long-term disability claim was rejected by the insurance company, you need to be ready to take immediate action. Under ERISA regulations, you only have 180 days from the date you receive your denial letter to submit your administrative appeal. If you fail to act, your claim may simply be dismissed. As soon as you get a denial letter, please reach out to an experienced Illinois long-term disability lawyer.
Your Must Exhaust Your Administrative Remedies: ERISA puts legal obligations on both insurance companies and claimants. If you receive a denial letter, you cannot immediately file a lawsuit. Instead, you are legally obligated to exhaust all of your available internal remedies. This means that your first appeal is with the insurance company itself. You must submit your claim back to the insurance company for a fresh review. New supporting evidence should be included with this appeal.
ERISA Long-Term Disability Claims Have Restricted Evidentiary Rules: Should your administrative appeal be denied, you can file a long-term disability lawsuit to seek your benefits. However, in these types of cases, courts will only be able to review the information you submitted to your insurer. With very limited exceptions, you cannot add additional evidence to your case file. It is imperative that you get a lawyer involved in your case as soon as possible. Your Highland Park long-term disability attorney will make sure that all useful evidence makes it into your case file.
We can help. At Michael Bartolic, LLC, our Highland Park long-term disability attorneys have helped many applicants get the full benefits that they rightfully deserve. If your long-term disability claim was denied in Lake County, Illinois, please call us today at (312) 635-1600. We offer free, no obligation case evaluations.