Oakland Long-Term Disability Lawyer

Oakland Long-Term Disability Lawyer

Claiming long-term disability insurance benefits can be a daunting task. You don’t have to go through it alone. An experienced Oakland long-term disability lawyer can help you navigate the complex process and fight for the benefits you deserve. 

With the considerable resources of the insurance companies working against you, it’s crucial to have a qualified legal team on your side. From appealing denials to filing lawsuits, we’ll guide you every step of the way. Trust Monahan Tucker Law to protect your interests and secure the long-term disability benefits you are owed.

Who is Eligible for Long-Term Disability Benefits in Oakland?

Long-term disability (LTD) is a form of private insurance that offers a financial safety net to workers who suffer a disabling injury or illness that affects their ability to work. Long-term disability is private coverage that isn’t mandated by the government the way workers’ compensation coverage is, but many employers offer it as a benefit to their employees. Many small business owners and private contractors also choose to purchase LTD plans for themselves.

Each long-term disability insurance policy is different, and understanding exactly what is covered by your policy may be critical to filing a successful claim. If you have questions or concerns related to a long-term disability claim or denial, consult with an experienced Oakland long-term disability lawyer.

Employee Retirement Income Security Act

Most long-term disability coverage that’s offered by employers is overseen by the Employee Retirement Income Security Act (ERISA). Benefits like long-term disability are administered by appointed trustees who must act in accordance with ERISA standards. This federal law is complex, and insurers often use loopholes and fine print to their own advantage. When taking on your insurer, you need an attorney with experience handling both ERISA and non-ERISA claims.

Filing a Claim for Long-Term Disability in Oakland

Long-term disability coverage offers employees a portion of their monthly income when they cannot work as a result of an illness or injury. The benefits related to LTD vary from employer to employer and from policy to policy, which makes having a better understanding of your coverage important.  

Timely filing is key when it comes to long-term disability claims, and this is true at every step in the process, which includes:

• Notification
• Proof of disability
• Documentation submission
• Response to insurer inquiries
• Medical updates, including those related to testing, chart notes, and medications

Working with a skilled LTD attorney can help you understand and meet these requirements and file the strongest claim or appeal possible for your case.

If Your LTD Claim Is Denied

When your claim for long-term disability insurance benefits is denied, it’s easy to feel defeated. However, this is no time for throwing in the towel – it’s time to seek legal guidance. Sometimes, the issue is that the insurance provider simply needs more information. However, insurance companies are in the business of making money, and they do what they can to limit payouts, which makes filing your strongest claim and fiercely advocating for your legal rights paramount.

Don’t Delay Consulting with an Experienced Oakland Long Term Disability Lawyer

At Monahan Tucker Law, our trusted long-term disability lawyers recognize the frustration and stress that comes with a denied LTD claim. That’s why we harness the full strength of our impressive range of experience and legal skills in pursuit of the optimal outcome. Your claim is important, so please don’t wait to reach out and contact Monahan Tucker Law for more information about what we can do to help you today.