Upholding Your Rights To The Benefits You Deserve
Whether you purchased a policy through your employer or privately, a long-term disability insurance policy can provide peace of mind. However, when you suffer a severe injury or illness and your insurer denies your legitimate claim, the path forward can be uncertain.
We at Phil Hall, P.A., understand that your livelihood and well-being can be at stake after the denial of your claim. Insurers ultimately look out for their bottom line. With over 20 years of experience, we understand the complex steps necessary to appeal a claim to strengthen your potential to receive critical monthly disability benefits.
A Denied Claim Can Have A Substantial Impact On Your Life
Many professionals purchase long-term disability insurance to protect against the possibility of someday being unable to perform the core duties of their job. Long-term disability insurance policies can cover a wide array of illnesses and injuries, including:
- Serious injuries from motor vehicle accidents, slip-and-fall accidents and more
- Strokes, heart conditions or other critical ailments
- Cancer and other chronic diseases
- Debilitating injuries to your spinal cord, neck, back and more
- Cognitive impairments and mental health conditions
Your focus during this time should be on your health and rehabilitation efforts. After the denial of your claim, you need to immediately involve an attorney to consider your next steps.
Navigating The Complicated Appeals Process
Appealing long-term disability claims involves strict deadlines, detailed paperwork, considerable medical documentation and more. When you work with us, we meet with doctors to learn about the details of your condition. We then effectively convey your story to the insurance company to assert that your serious condition has permanently affected your ability to perform your job duties.
For those with a disability policy through their employer, the appeals process will likely be through the federal Employee Retirement Income Security Act (ERISA). Those who purchased a policy individually or privately will likely file a lawsuit in Florida state court. We can assist whether your claim leads to an internal insurance company appeal, or a lawsuit in state or federal court.
Discuss Your Claim With A Lawyer
Get a dedicated legal advocate on your side. Contact our Pensacola office to schedule a free initial consultation. Call 850-641-8811 or email us through our website. We work on a contingency fee basis. If we do not successfully recover compensation for you, you will not pay.