Unfortunately, some insurance companies who handle long term (LTD) and short term disability (STD) policies are more concerned about profits than the wellbeing of their policyholders. As such, they often choose to approve or deny claims based on suspect interpretations of policy language. If you feel your long or short term disability claim has been handled in an unjust manner, you do have options.
Your injury, disability or death benefit claim may fall under the umbrella of your employer's employee benefit plans. The Employee Retirement Income Security Act of 1974 (ERISA) is a federal act that sets standards for employee benefit plans in private industry. ERISA is intended to protect the interests of employees who participate in employee benefit plans.
At The Bollinger Law Firm, P.C., in Charlotte, North Carolina, we stand up to insurance companies that unjustly choose to limit coverage. Our ERISA practice focuses on helping individuals in their claim for long term and short term disability benefits. We handle claims and appeals of benefit denials from the administrative level through litigation. If litigation is necessary, the court in most cases will only consider evidence presented during the administrative process. For this reason, among others, the proper handling of the administrative process is essential to a successful result.
Whether your long term or short term disability coverage is part of a workers' compensation plan or a private insurance plan, you deserve access to all applicable benefits. We will aggressively protect your rights and mount a strong challenge against the insurance company's decision.
Contact us to schedule a free consultation with a lawyer who is knowledgeable of the rules and regulations governing long and short term disability policies.
Was Your Claim Denied? Were Your Benefits Suddenly Stopped?
Your employment-related insurer or administrator may be using false or distorted pretexts to find any way possible not to make good on your claim. Your employer or the insurer, or both, may be in violation of ERISA regulations. You, and perhaps your employer, have been paying into the system faithfully throughout your working life. Now, after years of financial contribution, you are being denied benefits needed to cover medical expenses, replace lost wages, or cover related expenses.
Many of our clients come to us because their legitimate claim has been denied by their insurance carrier. Others need assistance when their insurer suddenly cuts off benefits. No matter the circumstances, our primary objective is to correct this injustice. Our attorneys work to construct a compelling case that clearly demonstrates the full extent of your disability and challenges the actions of the insurance carrier. We will handle all of the legal matters, while you and your family focus on coping with your disability.
Although many attorneys may find it acceptable to reach a settlement before heading to the courtroom, we do not believe this is always the best course of action. During the appeal of your claim, we will always do what is right for you, our client. We are not afraid to take your case to trial if that is the only way to protect your best interests.
Contact The Bollinger Law Firm, P.C.
If an insurer or administrator is delaying or denying a legitimate claim after you have been injured, developed a disability, or lost a family member in a fatal accident, contact the Bollinger Law Firm, PC. to arrange a free consultation. Our office is easily accessible for those with disabilities. Free parking is available.