Long Term Disability Appeals Attorney

Long Term Disability Claims Lawyer

If you are no longer able to earn a living, due to an illness or injury, and you had long term disability (LTD) insurance through your employer, you and your family need your insurance payments to make ends meet. If your claim has been denied, you need help right away. You expected your LTD coverage to be a safety net that you and your family could depend on should the unthinkable happen. Now it has, but the insurance company is refusing to hold up its end of the deal. Attorney Fred J. Fleming can help you exercise your rights under the Employee Retirement Income Security Act (ERISA), so that you and your family can receive the disability benefits that you deserve.

Long Term Disability Insurance is different from Social Security Disability benefits. Click here to learn more about Social Security Disability claims.

Time to Act is Very Limited

If your LTD benefits were denied, you have a very limited amount of time to take action. Under ERISA, you only have 180 days from the day you receive notice of denial, to file your appeal with the insurance company.

Even though you can pursue a long term disability claim lawsuit if your appeals are denied, your only opportunity to submit evidence to support your claim is during the internal appeals process. The actions you take during this short period of time will make or break your claim.

Experienced LTD appeals attorney Fred J. Fleming is here to help you preserve your legal rights by making sure that you do not miss any important deadlines and that your appeal is filed properly.

The Importance of Fighting for Your LTD Benefits

Insurance companies are notorious for denying legitimate claims. They know that when you are disabled, it is very difficult to keep fighting for benefits and there is a good chance that you will give up if you are denied. ERISA protects the insurance companies from bad faith and punitive damages that they could face if they were governed by state laws, so they risk nothing when they wrongly deny benefits.

You and your family need the money and you are entitled to it. As time passes, you will need it even more than you do today. The insurance company got paid in premiums, now it’s time for the insurer to live up to its obligation and start paying you the benefits it promised.

If you or someone you love has been denied long term disability benefits, please call long term disability claims attorney Fred J Fleming toll free at 1-800-882-5500 or contact us online to schedule your free consultation. You have a limited amount of time to take action, or you will lose your rights to the LTD benefits you have earned. Enough Said! Call Fred! We help claimants throughout the Western United States.