Ohio Long-Term Disability Lawyer

Why Get a Lawyer to Help with a Long-Term Disability Insurance Claim?

It’s easy to think you can just call or write letters to your ERISA insurance company to deal with any problems that come up.

But you might want to work with an ERISA claims lawyer because this process can be deceiving—and not so easy.

Denial letters from long-term disability insurance companies are often polite, but vague. They don’t truly help you.

Your lawyer can analyze communication from the insurance company and identify legal problems in their responses.

Some people write letters back saying they would like to appeal their denial. Insurance companies may consider that to be your whole argument and try to short-circuit your chance to submit a stronger case.

Your lawyer can add extensive evidence that the insurance company can’t ignore.

Lacking enough evidence of severely limiting health problems is a major reason people lose their long-term disability claims.

An ERISA lawyer brings knowledge you can’t be expected to have if you don’t work in law or insurance, such as:

• How long-term disability, ERISA insurance policies work
• How to document medical issues for a claim
• How “disability” is defined for the purposes of claiming benefits

If you’ve been denied benefits, contact the HNB ERISA lawyers right away, so you can appeal before the 180-day window closes. You only pay a fee for your long-term disability insurance lawyer when you win your case.

If you haven’t filed a long-term disability insurance claim yet, it can also be valuable to talk to a lawyer. Your lawyer can ask questions you might not think of and explain the kinds of information you need for the best possible results.

You can get a one-hour consultation with HNB for guidance on making sure your claim is convincing to the insurance company.

We’ll explain what you should know about working with your medical providers on your claim and gathering your proof. The one-time, pre-claim consultation is $200.

Get your one-hour attorney consultation.

Why Claims Can Be So Tricky: ERISA Attorneys Explain

These are some of the challenges to watch out for in your long-term disability claim:

• The Own Job/Any Job Switch: You start getting coverage when your health problems prevent you from doing your “own” job that you did before. But after two years, you have to prove you can’t do “any” job to keep your benefits, a much harder standard.
• Spying on You: Long-term disability insurance companies will conduct surveillance, trying to catch you doing things more physically or mentally demanding than you said you could. They do this more often than you’d think. Be careful when you go out. And stay off social media.
• Vocational Assessments Biased Against You: Insurance companies get their own employees to write reports on your job abilities and limitations. They often leave out a lot. A lawyer can complete and correct the record.
• Medical Assessments Biased Against You. Insurance companies will hire doctors to review your files and argue your health issues don’t prevent you from working. But reports like these mostly serve to distract from the key facts about your health impairments. Your lawyer can counter them.

If you’re in a fight with your ERISA insurance provider and need to file a lawsuit, you may picture the process differently from how it will actually play out.

You won’t go to trial and testify in a courtroom. The judge will review what’s already in your file.

You need to establish your medical evidence and proof before your case reaches a judge. Your ERISA attorney anticipates what you’ll need and adds it to your record so you’re in the best position for success.

You and your employer paid for long-term disability insurance. Don’t accept less than the full benefits you’re entitled to receive when the time comes that you need this insurance.

Let us help you secure financial assistance to maintain the life you worked hard to build.

Contact us soon—don’t miss your appeal deadline.