We represents employees in Alabama and Mississippi, but we will serve any client. We regularly travel to our clients, so they can meet with us face-to-face.
Most people assume that disability insurance companies will act honestly and fairly when they submit their disability claims. Disability claims can be complicated and time-consuming. In most cases, your employer, your doctors, and your insurance company will need to fill out forms.
Some of the information requested by disability insurance companies may include:
- A Functional Capacity Evaluation (FCE)
- An In-person Interview
- An Independent Medical Examination (IME)
- Authorizations to Obtain Information
- Financial Information
- Medical Records
It is important to know what documents you need to provide and what the disability insurance company is NOT entitled to get. Forms that are allowed to be received by insurance companies must be properly completed and submitted on time.
Attending Physician Statements (APS) from doctors may not be enough to prove disability when submitting a claim. Doctors hired by the disability insurance company may contact your physicians directly, often in an attempt to convince them that you are not disabled. Surveillance video is sometimes used by the insurance company to uncover inconsistencies in your ability report.
Knowing your rights under the law and your disability policy is important. An experienced long-term disability lawyer will protect your rights and make sure your claim is handled properly. As Disability Insurance & ERISA Attorneys, we handle disability claims nationwide.
Do I Need an Attorney to Handle My ERISA Disability Appeal?
It is critical to hire an experienced ERISA attorney after your claim is denied. You should not appeal the claim yourself.
Insurance companies and administrators have language in their plans that give them the right to deny your claim for a wrong reason as long as there is some reasonable basis to support that wrong decision. Therefore, you need an experienced ERISA litigator to handle the appeal and make your claim record overwhelmingly strong in your favor. You may be stuck with your appeal file if you later want to file a lawsuit when your appeal is denied. If you didn't include all that could be there, your chances of winning a lawsuit drop significantly.
Contact Us Today to Schedule a FREE Case Evaluation!
We represent clients nationally and engage in video conference meetings with clients across the nation, we have face-to-face meetings for clients and potential clients in every major city in Alabama, Mississippi, the panhandle of Florida, southern Tennessee, and the western half of Georgia from Columbus to Atlanta.