Video Summary
- The Standard, a major insurance company, issues denials for long-term disability claims, triggering an appeal process for claimants.
- Many policies are governed by federal law (ERISA), favoring the insurance company in appeals and lawsuits, with strict rules and limitations for claimants.
- ERISA heavily benefits the insurer; hiring an attorney is recommended to navigate complex procedures and ensure a thorough appeal, maximizing chances of success.
- A successful appeal requires comprehensive information—medical evidence, legal arguments, and case law—to support the inability to work and qualify for disability benefits.
- Kevin McManus Law offers free assistance by reviewing denial letters, providing personalized advice on rights, and guiding individuals on their next steps in the appeal process.