Many people pay substantial premiums for years in exchange for the security of knowing that if they become unable to do their job, a percentage of their income will be protected. This is often called long-term disability or LTD insurance, and sometimes it is provided by employers. While many disability insurance companies pay the benefits they owe, legitimate claims are sometimes denied.
Representing Clients in Rhode Island, Massachusetts and Nationwide
At the law firm of Chisholm Chisholm & Kilpatrick LTD, our Providence ERISA and disability lawyers represent people whose disability claims have been denied. Regardless of what stage you are at in seeking disability income benefits, our lawyers will fight to help you receive all of the benefits to which you are entitled.
Contact us today to schedule an initial consultation. We have law offices in Providence, Rhode Island, and Washington, D.C.
Why Was My Disability Claim Denied?
If your disability claim is denied or your LTD benefit payments have been terminated, you will receive a letter from the insurance company explaining the reasons. You should contact a lawyer immediately, as you may have a limited time to appeal the decision.
Regardless of what the insurance company may have written in the letter, there may be compelling arguments available to help you to win benefits or have your terminated benefits restored. Our lawyers may even be able to sue the company successfully after a so-called "final denial." Of course, the sooner you contact our lawyers, the more options we will have and the better your chance of success.
Our law firm often handles ERISA disability, private disability, life insurance litigation, and long term care insurance cases on a contingency fee basis. This means you pay us only if we are successful in obtaining disability benefits for you.
Handling ERISA and Non-ERISA Claims
Although there are exceptions, most disability policies provided as a benefit of your employment are covered by the Employee Retirement Income Security Act (ERISA). This federal statute usually preempts all state laws designed to protect consumers and creates huge (but not insurmountable) hurdles for claimants seeking to win benefits. Our lawyers know how to interpret these ERISA statutes, the applicable Department of Labor Regulations, the plans documents and the case law of the federal courts to protect your entitlement to benefits.
If you purchased a private disability plan or policy, then ERISA does not usually apply and the state laws designed to protect insured individuals are available for our attorneys to use in securing your benefits. There are other exceptions to ERISA including if you work for a church-related organization or the government.
For More Information Contact Our Disability Insurance Attorneys: Worcester, Massachusetts
Discuss your case with one of our experienced Providence ERISA and disability attorneys today. If you have been denied disability benefits, call 800-544-9144 / 800-250-7286 or complete the contact form on this website.
