Attorney for Long-Term Disability Denials in Missouri & Kansas
If you are unable to work and have long-term disability (LTD) insurance, its strongly recommended that you hire an experienced LTD attorney as soon as possible. There are some types of legal cases that you may handle on your own. But long term disability cases are simply not those cases. The law governing LTD claims is too complex, and there is simply too much at stake.
This is especially true if your long-term disability claim is with a group plan provided by your employer. These claims are governed by a federal law known as ERISA, the Employee Retirement Income Security Act, which sets out very specific deadlines and procedures for filing LTD claims and appealing LTD denials. If you miss a single deadline, fail to complete or submit a form, or provide the evidence necessary to support your claim, you will be out of luck.
ERISA applies a difficult standard of proof to appeals known as "abuse of discretion." In short, this standard tilts the scales of justice in favor of the insurance company and just one mistake will kill your claim.
Contact an Experienced Long-Term Disability Attorney
Appealing a denial of long term disability benefits is difficult because of the law that applies. ERISA's rules and procedures are complex and unforgiving. If you need your LTD benefits to be reinstated or approved, the stakes are high. No one should try to go it alone.
We strongly recommend that you consult with an attorney who is experienced in long term disability claims and the law of ERISA. Kansas City long-term disability lawyer will review your denial letter for FREE. We will try to answer your questions and offer some guidance on what to do next.
At the very least, download a free copy of our guide to long-term disability appeals, Danger: Proceed at Your Own Risk. This book is packed with tips and information to help you successfully navigate the appeals process. Whatever you do, act quickly as there are short deadlines that apply to these claims and appeals.