A Compassionate Minnesota Disability Attorney
At R.A.Williams Law Firm, P.A., we proudly represent clients at all stages of a disability claim, including the application process, monthly claim handling, denial of disability benefits, ERISA appeals and lawsuits to recover disability benefits. The policies associated with disability income contracts are often ambiguous and confusing, which can lead to a disability insurance company delaying the process or denying you benefits. For this reason, it’s highly recommended you contact an experienced disability insurance lawyer with the litigation skills necessary to help you obtain the benefits you deserve.
Get the Help You Need with Your ERISA Appeal
The Employee Retirement Income Security Act (ERISA) administers most long-term disability claims that are filed under a group policy obtained by your employers. An ERISA appeal is a complex and lengthy set of materials that must be compiled, written and submitted in order to maximize the chances of success on a claim. Give your ERISA claim the legal backing it requires with help from a top-quality disability insurance lawyer today.
What You Should Know About Private Disability Insurance
Private disability insurance benefits are basically insurance “contracts.” There are two types of policies: individual policies (purchased by you as an individual) and group policies (coverage supplied as an employee benefit by your employer). Policies written for short-term disability benefits are usually between three and six months, and long-term disability benefits are written after a waiting period and continue to age 65. If you receive private disability insurance coverage through your employer, you have a right to ask your employer for a copy of the policy. If you believe you are eligible to file a claim for benefits:
- Contact a disability insurance lawyer before you apply so you are well-informed of your options and file everything correctly. It could save you valuable time and relieve frustration.
- Be sure to have the support of your doctor(s). He or she will need to understand and comply with documentation requirements.
- Make certain that your treatment notes are complete and reflect the true nature of your symptoms and limitations.
Benefits of Hiring An Experienced Disability Lawyer
Insurance companies will typically deny your first submission, even if you think you qualify for benefits. It is, of course, your right to appeal the denied claim, but because the appeal is usually an internal review within the same insurance carrier, it’s best to contact a disability insurance lawyer right away if you have an incident. We don’t want to scare you, but insurance companies are profit-motivated and thus may cut your benefits off at any time if they determine you no longer meet their definition of disability. At R.A.Williams Law Firm, P.A. we make it our mission to keep you informed every step of the way and aggressively fight for the compensation you deserve.