San Diego Long-Term Disability Claims Attorney

San Diego Long-Term Disability Claims Attorney

Long-term disability insurance is designed to cover the wide-ranging losses associated with serious, debilitating injuries and illnesses. This coverage can afford you the resources you need to address long-term recovery, which can last from several months to several years until retirement or as designated by your policy. The peace of mind that comes from having a long-term policy in place when you need it can be considerable. However, many policyholders are shocked to learn that valid claims for LTD benefits are often denied by insurers looking to reduce their costs. If you’re facing a denied claim, an experienced San Diego long-term disability claims attorney can help.  

Long-Term Disability Coverage

Some employers offer long-term disability (LTD) coverage as an employment perk, but it’s not a requirement the way workers’ compensation coverage is. Long-term disability coverage is private coverage, and when employers choose to offer it, the Employee Retirement Income Security Act (ERISA) guides the process. This federal law is intended to help ensure that employee benefit claims are addressed fairly, but unfortunately, that’s not always the case.

LTD Claims are Often Denied

Including LTD coverage as part of the employment package can make a job more enticing for prospective employees, because many workers feel it offers an additional level of financial security. So it’s understandable to feel confused, frustrated, and angry when those benefits are unfairly withheld due to a denied claim. While many policyholders feel defeated at this point, it’s important to know that you can file an appeal and possibly even a lawsuit, if necessary, to challenge the insurance company’s denial. With a skilled San Diego long-term disability claims attorney on your side, you can increase your chances of success.

What is ERISA?

ERISA is in place to protect employees from illegal maneuvers in relation to optional coverage, and matters like the following are carefully addressed:

• Employee vesting 
• Benefits funding
• Employee eligibility requirements 
• Information disclosure to employees

While ERISA guidelines are meant to protect employees, they can also make the claims and appeal process more complex. Working with a legal team who thoroughly understands these regulations may be critical to the outcome of your claim. 

If Your Claim Has Been Denied

If you have an LTD claim that’s been denied, you’re not alone – a seasoned long-term disability claims attorney is standing by to help. The fact is that claims can be denied for simple reasons, such as inadequate medical information, but things aren’t always this straightforward. 

The bottom line is that employers and insurance companies alike are interested in minimizing benefits – and driving profits – which can lead to less-than-fair practices. The surest means of protecting your rights and your rightful benefits is with a trusted San Diego long-term disability claims attorney on your side.    

Seek the Skilled Legal Guidance of an Experienced San Diego Long-Term Disability Claims Attorney Today

The practiced San Diego long-term disability claims attorneys at Monahan Tucker Law dedicate their impressive practice to skillfully protecting the rights of valued clients like you. The coverage you’re entitled to will play a critical role in your future, and we’re prepared to harness the full force of our legal skill and experience in focused pursuit of the benefits to which you’re entitled. Your claim is important, so please don’t put off contacting us for more information about what we can do to help you today.