South Carolina Long Term Disability Insurance Attorney

After sustaining an injury or developing a serious medical condition, many people apply for long term disability benefits. If you find yourself in this situation, you should understand that you should not do so without the assistance of an experienced South Carolina Long Term Disability Insurance Attorney. Walker & Hern is a team of LTD attorneys who have helped clients all across the nation fight for the disability benefits they deserve and need to go on living their lives without having to return to work. The LTD process can become quite complicated, which is why you need a legal team that is well-versed in disability law. You have just found that team. Our seasoned long term disability attorneys are here to help you through every step of the LTD process from beginning to end. Walker & Hern is ready to serve, and our consultations are free. Contact Walker & Hern today.

Representing South Carolina clients in the pursuit of LTD benefits

There are various steps in the LTD process from start to finish, and we have the skill and experience needed to guide you from beginning to end. No matter where you are in the LTD process, our firm can help. Walker & Hern is ready to assist you through the following:

Walker & Hern provides clients with the personalized attention they deserve and need to achieve a successful outcome. Our firm has virtually seen it all. We can handle anything the insurance companies throw our way, no matter their size or power.

We Don’t Get Paid Unless You Do

Walker & Hern operates on a contingency fee basis. This means that if we do not achieve a favorable outcome on your behalf, you do not have to pay us a dime. We are here to fight for your rights.

Statute of Limitations for Filing a Long Term Disability Claim

When facing the challenge of securing long-term disability (LTD) benefits, understanding the statute of limitations for filing a claim is crucial. In South Carolina, as in many jurisdictions, the specific timeframe within which you must file an LTD claim can vary depending on the terms of your insurance policy. Typically, insurance policies require that a claim be filed within a certain period after you become disabled or after the elimination period outlined in your policy, which is usually 90 to 180 days.

It’s important to be aware that the statute of limitations not only applies to the initial filing of your claim but also to any legal action you may need to take if your claim is denied. Under ERISA (Employee Retirement Income Security Act), which governs most employer-provided long-term disability insurance plans, you generally have a 180-day period to appeal a denied claim. If your appeal is not successful, the statute of limitations for filing a lawsuit to challenge the denial varies but typically starts from the date of the final denial of your appeal.

In South Carolina, the statute of limitations for filing a lawsuit against an insurance company for a denied LTD claim can be governed by state contract law, which often allows a three to six-year period from the date of the final denial. However, it’s vital to review your policy’s specific language and consult with an experienced LTD attorney to determine the exact limitations period applicable to your case.

Walker & Hern | Your South Carolina Long Term Disability Insurance Attorney

Whether you are looking to appeal a denial of LTD benefits or you are simply looking to apply for them, our firm is here to help. The experienced South Carolina long term disability attorneys at Walker & Hern are ready to work for you. Contact Walker & Hern today to schedule a free consultation.