Berkeley Long-Term Disability Attorney

Berkeley Long-Term Disability Attorney

Long-term disability insurance policies are meant to give you peace of mind, knowing that if you suffer a serious illness or injury that prevents you from working for a prolonged period,  your benefits will allow you to continue supporting your family. That’s why receiving a claim denial can be so jarring and, honestly, infuriating. 

At Monahan Tucker Law, we understand the complexity and frustration that comes with managing a disability, including the legal struggles it can cause, which is why our experienced attorneys are here to guide you every step of the way. Insurance companies have powerful legal teams, but with an experienced Berkeley long-term disability attorney by your side, you can level the playing field. From appealing a denial to bringing a lawsuit, you can trust Monahan Tucker Law to protect your interests and advocate for the financial support you need.

Most Long Term Disability is Governed by ERISA

If you suffer an illness or injury that is not related to your job but prevents you from doing your job, private LTD coverage can provide you with the financial assistance you need. While your employer is not required to offer LTD coverage, they are restricted by careful legal requirements if they do. 

The Employee Retirement Income Security Act (ERISA) is the federal law that governs LTD coverage offered by employers. ERISA implements rules related to how employers address all the following concerns:

• Funding ERISA benefits
• Determining minimum employee eligibility
• Determining employee vesting
• Disclosing information relevant to ERISA 

In other words, when employers choose to offer LTD coverage, there are numerous restrictions in place to help protect the rights of the employees who receive it. A knowledgeable Berkeley long-term disability attorney can help you understand these requirements and how they will impact your claim.

How Long-Term Disability Works

LTD policies vary from employer to employer, but LTD benefits are typically paid as a percentage of your salary or pay at the time you become disabled. 

The process for filing involves the following primary steps:

• Notifying your employer
• Providing proof of your disability
• Documenting your submissions
• Responding to any insurer inquiries
• Keeping the insurer updated regarding your medical condition, including in relation to testing, chart notes, and medications

It’s critical that you submit all filings in compliance with time restrictions and include as much evidence for your claim as possible. Having a practiced Berkeley long-term disability attorney in your corner increases the odds of achieving this. 

An Experienced Berkeley Long-Term Disability Lawyer Can Help

At Monahan Tucker Law, we understand that the benefits you paid for should be available when you need them, and we’re on your side. Our formidable Berkeley long-term disability attorneys have an imposing range of experience helping clients like you prevail with successful LTD claims. We are familiar with the types of evidence needed to establish a wide range of disabilities, and we can advise you on how to present the strongest evidence for your claim or appeal.

Learn more about what Monahan Tucker Law can do for you by contacting us today. We serve clients in California, Oregon, Washington, Nevada, and Arizona.