Long-term disability (LTD) claims are different from most other types of insurance claims. Most lawyers–even social security and worker’s compensation lawyers–don’t handle LTD claims.
You need a Kansas City long-term disability lawyer from Kevin McManus Law on your side to help you.
Our highly experienced disability attorney helps claimants receive the LTD benefits they deserve after an illness or injury. If you are thinking of applying or if you recently had your benefits denied or terminated, our Kansas City personal injury lawyer can provide helpful legal representation, so contact us today.
How a Kansas City Long-Term Disability Lawyer Can Help You
At Kevin McManus Law, we’re different from most accident, injury, and disability law firms because we believe that information is power. Here are some of the ways our experienced attorneys can help with your LTD claim.
Review Your Denial Letter
If you have been denied LTD benefits or had your benefits terminated, we will review your denial letter for free. You can email, fax, or mail your denial letter to us. We’ll provide a free review and strategy for getting your benefits reinstated.
While this service is free, you must act quickly. There are short deadlines that apply. Our LTD insurance attorneys manage everything to prepare and submit the appeal for your benefits to be reinstated.
If you have already filed your administrative appeal, we may be able to assist by filing a lawsuit against the insurance company.
Provide You With Free Resources
If you want to learn more about the LTD process, claims, or appeals, you can read these helpful articles from our Kansas City accident, injury, and disability library. This information can help regardless of where you are in the claims process.
Denied long-term disability? Download our free book to learn how to fight back and win your appeal.
Help You With Your Claim
Our dedicated disability lawyers believe in empowering our clients. We want to help those who are struggling with LTD insurance get the information they need to make the best choice possible.
We assist in representing ERISA disability cases nationwide with local counsel at no additional cost and with the court’s approval.
Schedule a free initial consultation today and meet our personal injury attorneys and legal team. Let us help you with the complicated LTD claim process.
Get the compensation you deserve with trusted legal guidance.
What Is ERISA & How Does It Impact My Claim?
Employee Retirement Income Security Act (ERISA) is a federal law that strongly favors insurance companies. The law is complex and has specific rules and very short deadlines that you must follow. If you do not, the insurance company will immediately deny your appeal for benefits, regardless of how serious your medical condition is.
If your LTD insurance plan is governed by ERISA, you should have received a document stating that ERISA applies. Our long-term disability attorney has handled ERISA claims and appeals nationwide and will review your denial letter for free and provide you with the next steps and a strategy for moving forward.
Our Kansas City disability attorney is experienced in LTD claims, whether your insurance was obtained through your employer’s group plan (likely an ERISA plan) or on an individual basis. If you have been denied benefits or were recently cut off from receiving benefits, we can help you.
How Much Does a Case Consultation With a Disability Attorney Cost?
If you were denied LTD benefits, our knowledgeable disability lawyer will review your denial letter for free, and provide a strategy on the next steps of how to move forward, which may include starting the appeal process.
Insurance Company Denial Tactics for Long-Term Disability Claims
Insurance companies are in business to make money. Adjusters are trained to use tactics to maximize company profits and minimize claims payments, such as delaying coverage decisions, denying valid claims, and hiring attorneys to defend denials.
Other tactics used by disability insurance companies include:
- Asserting that there is “Insufficient Medical Proof” for your claim, even though you have treating doctors who support and document your disability.
- Hiring a physician who has never seen or examined you to discredit your treating physicians.
- A Functional Capacity Evaluation (FCE) report or Transitional Skills Analysis (TSA) is required to establish functional capacities for jobs that you do not have.
Fighting back against an insurance denial is difficult and complex, and the insurance companies know most people don’t know how. That’s why Kevin McManus Law is here to help you.
We’ll help you appeal and secure your rightful benefits.
We Are Highly Experienced in Handling ERISA Disability Claims
Our attorney is one of the very few nationwide trained in ERISA claims. His extensive experience is in appeals and also litigation, if necessary.
Whether your long-term disability insurance was obtained through your employer’s group plan (likely, an ERISA plan) or on an individual basis, The Law Office of Kevin McManus is ready to help navigate you through the process.
What You Can Expect if You Hire Our Disability Firm
Our services are adaptable to your specific situation. When you hire us for an appeal of a denied claim, we work on a contingency fee basis, meaning we only get paid if we recover compensation for you.
If you are looking to file an application for an LTD claim and have not been denied, we can assist on a flat fee or hourly basis depending on the amount of work involved.
We are ready to work with you every step of the way to ensure you get the benefits you deserve, so schedule a free legal consultation now.
Call now for a free consultation.
Schedule a Free Consultation With a Kansas City ERISA Disability Lawyer
LTD policies and the law of ERISA strongly favor insurance companies. These laws were not written for consumers, and it is easy to make a mistake in appealing a long-term disability denial.
You only get one try at the appeals process, so we strongly recommend you consult with our Kansas City long-term disability lawyer early in the process. Schedule a free, no-obligation consultation today.
While we can’t guarantee an outcome, our goal is to make the insurance company pay any current and back benefits you are owed and maximize the recovery under your LTD policy.
