If your long-term disability claim is governed by federal ERISA regulations, then your state’s insurance laws are “pre-empted,” meaning that your state’s department of insurance has no jurisdiction.
Many insurance companies include boilerplate language in their denial letters advising the denied claimant that he or she may file a complaint with his or her state department of insurance. This is indeed true.
However, this is usually a waste of time. You will simply receive a response a few months later from the department a few months later stating that they have no jurisdiction in the matter. You will be no better off and your appeal deadline will be that much closer, if it has not already passed.
If your disability insurance company has denied your claim, you should consult with an experienced long-term disability attorney. Nick Ortiz, the founder of the Ortiz Law Firm, has been representing long-term disability claimants since 2005 and has recovered millions in denied disability benefits. Call us at (888) 321-8131 to schedule a free case evaluation today.