Long term disability insurance cases are most often governed by the Employee Retirement Income Security Act. The various courts have interpreted that act to require that your entire case be presented to the insurance company before any final decision is made by the insurance company. Usually, there is a very short time frame within which to prepare the case and submit it to the insurance company. It is important that we begin assisting in this process at least after the first denial of your application by an insurance company.
Even if the long term disability insurance policy is not governed by the Employee Retirement Security Act, Alabama State law requires that you complete all conditions present before bringing any action in court. This often means presenting your entire case to an insurance company before any final decision is made by the insurance company.
It is difficult to have to fight for benefits that are due to you under the terms of a long term disability insurance policy when you are already attempting to face the changes in life that occurs as a result of a chronic illness, disease or injury. We would like to help in that process. There is no charge for an initial visit.