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The Disability Wiki

Welcome!  The Disability Wiki is an internet-based resource that addresses in one place your questions and concerns about disability benefits, disability insurers, your illness, your occupation, and filing a claim, appeal or litigation.  In other words, a "Wikipedia" for disability claims.  If you would like to automatically receive new posts, please subscribe below.

 

 

Category: Strategy - Appeal a Denial

Don't File Your ERISA Long Term Disability Appeal Without the Claim File

Strategy - Appeal a Denial Appeal

If ERISA applies to your long term disability claim, you have the right to request and review your claim file in the event of a denial.  This is a critical right to exercise before filing your ERISA long term disability appeal.  Having the claim file will give you valuable insight as to why your insurer denied your claim. 

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Five Ways to Win Your Long Term Disability Appeal

Strategy Strategy - Appeal a Denial

You must strategize to win your long term disability appeal under ERISA. One misstep is all it takes to result in a final denial necessitating litigation. These five steps will help you plan to win your long term disability appeal.  

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How to Win Your Long Term Disability Appeal - 5 Do's and Don'ts

Strategy Strategy - Appeal a Denial

Here are five do's and don'ts that will help you win your long term disability appeal.

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Winning Your Long Term Disability Appeal | Strategies and Challenges

Strategy Strategy - Appeal a Denial

When you are appealing a denial of benefits the overall challenge is that you need to convince the same private disability insurance company who denied your claim to reverse itself.  Not only is it difficult to convince anyone to admit that they were wrong, but here we need to convince an insurer to admit it was wrong when it has a financial incentive not to pay you. 

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Long Term Disability Appeals | The Basics

Strategy Strategy - Appeal a Denial

You’ve applied for Long Term Disability benefits and your claim was denied, or your LTD claim was initially approved, but the insurer terminated your benefits after a certain number of months or years. What is your next step?  As annoyed as you may be, you unfortunately cannot just sue the insurance company.  The federal law known as ERISA requires that you first appeal the insurer’s adverse determination.  

At Riemer & Associates, our disability insurance attorneys know what is necessary for a successful appeal. We prepare appeals as if they were cases in court.  We have found that if you submit a comprehensive appeal, you show the insurer you are serious and have a better chance to win.  We are aggressive in our appeal approach, and will help you obtain the proof you need to counteract the private disability insurance company’s reasons for the denial and to prove you are unable to work in your own or any occupation. 

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