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 Hess, 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.