Seattle Long-Term Disability Attorney

Seattle Long-Term Disability Attorney

Long-term disability insurance is a form of private coverage that many employers choose to offer. Many independent workers, such as contractors and those who operate as sole proprietors, also choose to purchase private long-term disability coverage. No matter how the policy is acquired, though, the policyholders all have one thing in common – they believe the benefits will be available when they need them. That’s why a denied claim for long-term disability benefits is so much more than a logistical headache; it’s a betrayal of your trust.

If you have a long-term disability claim or denial, turn to the skilled legal guidance of an experienced Seattle long-term disability attorney from Monahan Tucker Law. Our team of insurance litigators is here to assist you and fight for the outcome that is in your best interest. 

The Complexities of Long-Term Disability Insurance Policies

Generally speaking, long-term disability insurance covers injuries and illnesses that are not work-related but that will keep the employee off the job for an extended amount of time, which can translate to several months or can extend until the employee reaches retirement age. Policies can vary widely by insurance provider, and it’s critical for insureds to understand the basics of their coverage, including:

• Which conditions are covered, and how are they defined
• The level of benefits offered
• The process for filing a claim
• The appeal procedure for denied claims

With the help of your attorney, you’ll gain a better understanding of the claim or appeal process and receive support in submitting the required paperwork. 

Why Experience Matters in a Seattle Long-Term Disability Attorney

The Employee Retirement Income Security Act (ERISA) governs nearly all private benefits offered by employers, and its purpose is to protect employee rights in relation to these benefits. Unfortunately, this federal law is complex and confusing, and the practical result of ERISA has been to provide no incentives to insurers to pay your valid claim. It’s crucial to work with a lawyer who understands ERISA regulations and is highly familiar with policies, coverage limits, and the claims process. Because insurers routinely deny valid claims, you also want to make sure that your lawyer is not afraid to file suit and litigate your case. Look for a lawyer with a proven track record in handling similar cases, winning in court, and a deep understanding of the nuances of long-term disability insurance law. 

LTD Appeals: Proceed with Caution

If your claim for LTD benefits was denied and you need to file an appeal, it’s important to address each of the necessary steps with care – ensuring that you remain in compliance with any filing deadlines and all other requirements. Failing to submit information on time, or failing to provide the necessary evidence for your condition, can jeopardize your right to benefits. Toward this end, seeking the skilled legal guidance of a well-established Seattle long-term disability attorney right away is to your advantage. 

It’s Time to Consult with an Experienced Seattle Long Term Disability Attorney

The knowledgeable Seattle long-term disability attorneys at Monahan Tucker Law dedicate their impressive legal practice to helping clients like you resolve their LTD claims favorably – in support of their rights and in pursuit of their rightful compensation. To learn more about what we can do for you, please don’t hesitate to reach out and contact us today.