What can I recover in a long-term disability case?

Video Summary

In a long-term disability case, the recovery options are limited under the law.
The main thing that can be recovered is the back benefits, the amount owed before a successful appeal.
Recurring payments of benefits in the future are generally not guaranteed after a successful appeal.
In some rare cases, attorneys' fees can be recovered, but not pain and suffering or punitive damages.
Consulting an experienced long-term disability benefits attorney is crucial for maximizing chances of having benefits reinstated.

Contact Our Long-Term Disability Attorneys Today

Long-term disability 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 get only one try at an appeal. For this reason, we strongly recommend you consult with our ERISA-trained long-term disability attorney early in the process.

If you have already appealed a denial and it was still rejected, we can review your appeal to see if we can be of assistance. However, we do not recommend you wait to contact us or that you attempt to appeal your denial without our ERISA-trained attorney. If your appeal was insufficient, contact us immediately because ERISA laws generally prohibit submitting additional evidence later on. For further information, give us a a call at (816) 203-0143 and download our free book on LTD insurance.