Long Term Disability Insurance and ERISA Claims

Are you applying for long term disability benefits pursuant to a private disability insurance policy?  Have you recently been denied those benefits?  If you answered “yes” to either of those questions, you will likely need an attorney to get your disability benefit claim approved and to start receiving the financial payments those policies promise.

Private disability insurance policies are contracts that promise to pay you a certain percentage of your usual income in the event you become disabled due to injury or sickness, on a long-term basis.  These policies are often issued by big insurance companies such as:  Unum, Cigna, MetLife, Mutual of Omaha, or AFLAC.

Long term disability policies are typically purchased individually or are issued through your employer.  Policies purchased directly from an insurance company are typically governed by state laws such as Alabama or Tennessee’s insurance and contract law.  On the other hand, policies issued through employers as group insurance are governed by the federal law known as the Employees Retirement Income Security Act of 1974, or “ERISA.”  If your insurer or employer improperly denied your disability claim, you must act quickly to preserve your rights.   At this stage, it is always a good idea to consult an attorney with experience in disability and ERISA claims.

Unfortunately, insurance companies frequently deny disability insurance claims and then impose a burden on you of providing significant evidence of your disability – to their satisfaction.  If you are an employee covered under a group disability policy or if you purchased your own individual disability policy directly from an insurance company, and your claim has been denied, do not give up.  Let us fight for you.

Conchin, Cole & Jordan understands that fighting an insurance company alone can feel like an uphill battle.  However, with our winning strategy on your side, it does not have to be.  We are here to fight on behalf of you and your family so you can have the financial peace of mind you deserve.  Call us today for a free consultation and to have your disability insurance claim reviewed by an attorney.

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