Hiring an attorney is the best option
When federal judges look at these types of cases, they see inequality for people compared to the vast experience of the insurance companies. One federal judge said:
“The Court also recognizes that ERISA claimants may not have the advantage of legal advice or favorable referrals before the administrative process is complete, placing such claimants at a distinct disadvantage if discovery is not permitted on judicial review. For ERISA claimants not able or aware enough to hire legal counsel before the administrative process is complete, they likely enter into judicial review facing a loaded deck–a deck loaded with the expert opinions of those hired by the plan administrator and, with the possible exception of a treating physician or two, lacking the opinions of vocational or medical experts hired by the claimant. Further, if the plan vests discretion with the plan administrator, as almost all do, such claimants also face the hurdle of a discretionary standard of review.” – Abromitis v. CNA, Reporter, 261 F. Supp. 2d 388 (F. Dist. Ct. W.D.N.C 2003).
This isn’t just me saying it, this is a federal judge. If you don’t want to face a loaded deck, you need to start looking for an attorney.
The best time to consult a long term disability lawyer is right away.
What Judge Cogburn is saying here is that ERISA long term disability cases are different than almost every other case. In a personal injury case, you can file your lawsuit, send written questions to the other side that they are required to answer, order a deposition of the opposing party and any important witnesses, find new witnesses and present new evidence, and eventually, present your evidence to a judge or a jury. Unfortunately, with ERISA long term disability cases, that is not true.
Your opportunity to present evidence is limited to the appeal process with the insurance company. That means the same company that is responsible for paying your claim is responsible for fully and fairly considering whether your disability meets the eligibility requirements under the plan. This clear conflict of interest sometimes weighs in your favor, if you know how to develop the case.
Ideally, you want a lawyer filing the notice of your disability and drafting the initial disability claim application. A lawyer can help you identify the areas where the insurance company is likely to object to your disability claim. Insurance companies will nitpick through your medical records and find statements like, “she is doing well” and take those statements out of context. Addressing some of those statements is essential for winning your claim early. You lawyer should prepare to preemptively address these problems.
Also, there are pretty strict deadlines to filing your claim within and if you don’t meet these deadlines, they can be treated like a statute of limitations. Having a lawyer helping you from the very beginning will eliminate many of these problems.
The second best time to consult a long term disability lawyer is after your claim has been denied.
After you have submitted your claim and the insurance company has denied it, you should consult a lawyer immediately. At this point, your timeline is very limited and there is significant work to be done to overturn that initial decision. If you hire a lawyer to help you, the lawyer should start by gathering all of the relevant information necessary for your claim. That includes all of your medical records, all of your vocational records, and the entire claim file. This is typically your last chance to prove your claim by presenting new evidence.
Your lawyer should be able to discover exactly why the insurance company denied your claim. Many times, insurance companies give vague explanations for your denial that make no sense. If that is the case, a lawyer will be able to force them to be more specific so you can address every issue raised by the insurance company.
Your lawyer should also be able to get additional evidence to submit in support of your claim. Often, the insurance company will deny your claim for lack of objective evidence. Your lawyer should know the types of tests, exams, or images that would provide the necessary objective evidence to prevail and work with your healthcare providers to get that information. Then, your lawyer should present that information in a compelling way to the insurance company.
Hiring a lawyer should make your life easier, not harder.
We offer free strategy sessions for all who ask us to review their claim. Whether you are thinking about applying for long term disability benefits, or if you’ve already been denied and you need to appeal, we’ll sit down with you to discuss the merits of your claim and provide a strategy for going forward. We call these free strategy sessions. We don’t pressure you to do something that you don’t want to, but rather, we’ll present you with all of your options and set out a strategy going forward. Give us a call or send us an email and we’ll be happy to talk with you.
We also have several videos with answers to the most frequently asked questions that people have after their long-term disability claim was denied.
We represent claimants for long-term insurance disability claims against insurance companies.
Your employer pays for a long term disability insurance policy as an employment benefit. These insurance companies gladly accept the premium payment from your employer but rarely do they want to pay a claim like this. If your benefit is $6,000 per month, that is $72,000 per year that the insurance company has to pay. You can see why they don’t want to pay. We always quip that insurance companies are in the business of making profits not paying claims.
But your plan administrator owes a fiduciary duty to all plan beneficiaries, including you. That means that she has to act with your best interests in mind. However, when faced with your best interest versus paying a substantial claim, you can see why the insurance company would deny it.
They are required to give your claim full and fair consideration. If they don’t, then your only recourse is to file a complaint in the federal district court. This stage becomes even more complicated and a lawyer’s ability to communicate in writing is essential.