Fighting Long Term Disability Insurance Companies

Fighting long term disability insurance companies is very difficult.  Your chances of winning are greatly limited by a policy that was written by the insurance company, and by a federal law that gives the insurance companies a huge advantage.  For example, under the federal ERISA statute, you must first file a formal administrative appeal before your permitted to file a lawsuit against the insurance company.  Naturally, you would think an independent government agency would consider your administrative appeal.  But under ERISA, the insurance company reviews your appeal and decides whether they wrongfully denied your claim.

So you may wonder why an insurance company would ever grant your appeal and reverse its own decision to deny your claim for long term disability benefits.  The answer is quite simple.  The insurance company will only reverse the denial of benefits if you submit an appeal that meets all the requirements for winning in court.  If you submit a winning appeal, they know they will lose in court.  If you submit an appeal that is insufficient to win in court, the insurance company will affirm its decision to deny your benefits.

Successfully Fighting Long Term Disability Insurance Companies Can Be Difficult Without An Experienced Attorney

Contact our firm for a free consultation if you’ve been denied long-term disability benefits by any of the following insurance companies:

• Aetna
• AIG (American General Life and Accident Insurance Company)
• American United Life Insurance Company
• Assurant
• Assurity Life Insurance Company
• AXA Equitable Life Insurance Company
• Berkshire
• Boston Mutual Life Insurance Company
• Broadspire
• Cigna / LINA
• Colonial Life
• Companion Life Insurance Company
• Dearborn National / Fort Dearborn
• Great-West Life Assurance Company
• Guardian Life
• HM Life Insurance Company
• Illinois Mutual Life Insurance Company
• ING / Reliastar
• Jefferson Pilot
• Liberty Mutual
• Lincoln Financial Group / Lincoln National
• Lloyds of London
• Mass Mutual Financial Group
• MetLife
• Monarch Life Insurance Company
• Mutual of Omaha Insurance Company
• New York Life Insurance Company
• Northwestern Mutual
• Ohio National
• Paul Revere
• Principal Financial Group
• Provident
• Prudential
• Reassure America
• Reliance Standard
• Sedgwick
• Standard
• Sun Life
• The Hartford
• Trustmark
• Union Central Life Insurance Company
• Unum

Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.