Dealing with a mental or physical injury or illness is exhausting and all-consuming by itself. Being denied long term disability (LTD) insurance benefits by your insurer only makes matters worse. If your LTD benefits are denied, it is important for you to be familiar with the appeal process and to understand your legal rights. Your energy should be spent on treating your condition and getting better, not battling with your insurance company.
Under the Employee Retirement Income Security Act (ERISA), you have a legal right to appeal the wrongful denial or termination of disability benefits. Unfortunately, you have the burden and responsibility of proving your claim.
Managing an appeal on your own can be risky, especially if you have a severe physical or mental illness or injury. If you feel overwhelmed or that your case is too complicated to handle on your own, you should seek guidance from a legal professional.
The Ortiz Law Firm offers free case evaluations and works on a on a contingency fee basis, which means you only pay if we obtain a benefit for you. We understand the struggle of living day-to-day with a chronic disease. We are here to help. For questions about your long term disability claim, call (850) 308-1818.