Many claims for long term disability benefits are initially turned down by insurance companies. In fact, insurance companies are notorious for denying valid claims and making it difficult for claimants to collect what they are rightfully owed. Fortunately, with the assistance of a New Jersey disability attorney, you can increase your chances of collecting long term disability benefits and winning on appeal.
Steps to Appeal a Denial
The first step to appealing a denial is to review the denial letter and have your long-term disability insurance policy handy. You will want to pay particular attention to the specific reasons why your claim was denied. In addition, you should review the steps that you will need to take to appeal the denial. You should pay special attention to any timelines.
To appeal a denial, you may need to build a case and gather evidence supporting your claim. As a result, you may want to contact a New Jersey disability lawyer as soon as possible to get help with your case. Long-term disability benefits are typically covered by federal ERISA laws and these laws can be very complex.
Proving Your Case
Before bringing your claim to a federal court, a New Jersey disability lawyer can explain to you that you will generally need to first exhaust your administrative appeals process with the insurance company. This will mean that you will need to work with your doctors, witnesses and potential experts to present all supporting documents and evidence to the insurance company. If you fail to do so, a court may not admit this evidence later.
An experienced attorney can help work with your doctors and other supporting parties to draft and pull together the evidence you will need to prove your claim.
Contact a New Jersey Disability Attorney
If you have any questions about a long term disability claim and appealing a denial, you should contact an experienced attorney. Schedule a consultation to discuss the specifics of your case with an attorney at Hermann Law Group, PLLC by calling 1-877-773-3030.