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Long term disability insurance can be critical when sickness or injuries prevent you from working. It enables you to continue to care for yourself and your family.
It is reasonable to expect that you can rely on your long term disability insurance if you are medically unable to work.You have a right to the compensation you were promised. You should be able to focus on getting better and still be able to get by.
You may have long term disability insurance through your employer as part of a group, or you may have paid an insurance company directly for an individual policy. Nevertheless, many insurance policies are governed by the Employee Retirement Income Security Act (ERISA), which insurers use to take advantage of obscure rules that most lawyers do not understand.
Insurance companies have a roster of doctors and investigators dedicated to certifying that you are not disabled. For example, they may insist that their doctor examine you. That doctor may declare that you can work, despite clear evidence of disability in your medical history. Alternatively, the insurance company may claim to have video surveillance tape proving you can work, even if the video doesn't show that at all. They might even say that saw a picture of you smiling on social media, so you must not really be suffering or truly disabled. If your insurer denies or discontinues your benefits, it is important to get help early in the process.
Find out the best way to resolve your dispute by getting counsel from an experienced lawyer. The sooner you call, the more we can help you.
Long term disability insurance can be critical when sickness or injuries prevent you from working. It enables you to continue to care for yourself and your family.
It is reasonable to expect that you can rely on your long term disability insurance if you are medically unable to work. You have a right to the compensation you were promised. You should be able to focus on getting better and still be able to get by.
You may have long term disability insurance through your employer as part of a group, or you may have paid an insurance company directly for an individual policy. Nevertheless, many insurance policies are governed by the Employee Retirement Income Security Act (ERISA), which insurers use to take advantage of obscure rules that most lawyers do not understand.
Insurance companies have a roster of doctors and investigators dedicated to certifying that you are not disabled. For example,they may insist that their doctor examine you. That doctor may declare that you can work, despite clear evidence of disability in your medical history. Alternatively, the insurance company may claim to have video surveillance tape proving you can work, even if the video doesn't show that at all. They might even say that saw a picture of you smiling on social media, so you must not really be suffering or truly disabled.If your insurer denies or discontinues your benefits, it is important to get help early in the process.
Find out the best way to resolve your dispute by getting counsel from an experienced lawyer. The sooner you call, the more we can help you.