Disability Insurance Blog

A denial of disability benefits need not be the end of the story

erisa disability appeals

Wednesday, December 27th, 2017

No one is guaranteed that they will stay in good health during the course of their career. However, whether it is cancer, a spinal cord injury or even something like arthritis, a person could find themselves in a situation that they never expected — that they are too injured or ill to go to work for a significant period of time.

Some people may think that they have enough sick leave, or even enough savings, to compensate them if they cannot work. However, some injuries or illnesses are so severe that a person will quickly burn through their sick time and deplete their savings well before they get better. And, unfortunately, some may never regain the health they once had prior to their ailment.

For these reasons, it is a good idea to carry a long-term disability insurance policy. However, a person might find that when they need to use these benefits, their claim is denied, sometimes wrongfully. When this happens, it is important to seek legal advice.

At our firm, we understand that a denied claim can cause significant financial distress, not to mention emotional distress. After all, a person may have faithfully been paying for a disability insurance policy for years, and now that they need it, they are being denied the benefits they deserve. However, a denied claim is not the end of the story — a person can file an ERISA disability appeal. We have assisted people nationwide appeal a denied claim. We aim to help our clients make their cases in a strong and persuasive manner.

When a person is receiving long-term disability benefits, it is because a health condition has made it impossible for them to work. Therefore, they are highly dependent on the benefits they receive to make ends meet financially. If those benefits are wrongfully denied, it could put them in a tight financial bind. People in such situations may then want to take the steps necessary to appeal a denied claim.