Has your long-term disability (LTD) claim with Companion Life Insurance Company been denied or delayed? Don’t let strict deadlines or confusing fine print cost you the benefits you deserve. Ortiz Law Firm helps claimants fight back and win LTD claims against Companion Life.
Why Choose Ortiz Law Firm for Your Companion Life Disability Appeal?
- Experience with Companion Life: With deep experience handling Companion Life claims and appeals, our team understands the unique challenges claimants face.
- No Fees Unless You Win: You pay nothing unless we successfully recover benefits for you.
- Fast and Free Case Review: Strict ERISA deadlines mean you may have as little as 180 days to appeal. Call now—don’t risk missing your chance.
Understanding Companion Life’s Definition of “Disability”
Every LTD policy is different. Companion Life typically defines disability as being unable to perform essential occupational duties and earning less than 80% of your pre-disability income. After 24 months, you must prove you cannot work in “any occupation” suited to your education or experience. The fine print matters—let us review your policy at no cost.
RELATED POST: Own Occupation vs. Any Occupation In LTD Claims
Plan Options: Do You Qualify for Coverage?
Companion Life offers several long-term disability plan options:
- Two Year / RBD: Up to 60% wage replacement for two years; ideal for blue-collar employees.
- Five Year / RBD: Up to five years’ coverage, with flexible elimination periods.
- To Age 65 / RBD: Extended benefits for all groups, including older workers.
Not sure which plan applies? We can analyze your coverage free of charge.
Denied or Terminated? Here’s What to Do
If your Companion Life LTD claim was denied:
- ERISA Appeals: Most group plans require a formal appeal—deadlines are short (often 180 days).
- Private or Government Policies: Some claims don’t require an internal appeal, but fast action is still crucial.
Missing a deadline could forfeit your rights. Our attorneys can help you submit a strong appeal, gather missing records, and fight wrongful denials—before it’s too late.
Ortiz Law Firm: Fighting for Your Benefits
We help with:
- Reviewing denial letters and policy terms—at no cost
- Appealing denied or terminated Companion Life LTD claims (group, private, or government)
- Filing ERISA lawsuits if your claim is unfairly denied
Let Ortiz Law Firm give you the experienced advocacy you deserve.
Time is critical. If you’ve received a denial letter from Companion Life, call us for a FREE, no-obligation case evaluation at (888) 321-8131, email [email protected], or request your complimentary review online.
Want more info? Download The Top Ten Mistakes That Will Destroy Your Long-Term Disability Claim eBook.
