Long-Term Disability Appeal Lawyers in Iredell County, NC

Helping Clients Who Were Denied Their Rightful Benefits

If you like to feel prepared for just about anything life gives you, you might have bought long-term disability insurance years ago in case a severe illness or injury ever prevented you from working. However, many insurance companies make it difficult to access the benefits their customers hope to use when they can’t work anymore, rejecting legitimate claims for disability benefits.

If this describes your situation and you want to appeal the decision, you should pursue legal advice fromlong-term disability appeal lawyers in Iredell County, NC. The legal team at Chad Brown Law, PLLC has assisted countless clients with long-term disability claims, so you can count on us to review your claim and help appeal it to increase your chances of getting the benefits you need. Call our North Carolina law firm today for a free initial consultation.

What Should You Know About Long-Term Disability Insurance?

It’s helpful to understand the types of long-term disability policies available since each one has slightly different processes for filing a claim and appealing a rejection.

The most common type of long-term disability policy is offered through your employer. It is usually combined with a short-term disability policy and is governed by the Employee Retirement Income Security Act (ERISA).

The other way to get long-term disability benefits is to buy a private policy from an insurance company rather than through your employer. This type of policy is not governed by ERISA, as they follow state laws instead.

In general, claimsinvolving ERISA plans are known for being more difficult to appeal because they have short deadlines and strict rules to follow. However, experienced North Carolina long-term disability appeal lawyers can assist with claims involving either type of policy. Contact our law firm today if you’re uncertain which kind of policy you have and whether you have a strong case to appeal your rejected claim.

Why Was Your Claim Denied?

If you’ve made a claim on any type of insurance policy in the past, you likely already know insurance companies often do everything possible to avoid paying claims. While some reasons for rejecting a claim are valid, many are not, which is why you should hire a skilled lawyer to review the reason the insurance company provided for rejecting your claim.

Some of the most common reasons long-term disability claims are denied include:

• Mistakes on the application, such as incorrect contact information or dates
• Insufficient evidence of a disabling illness or injury, including medical records
• Failure to meet the policy’s definition of a disability
• Conflicting evidence regarding your disability, such as social media posts and videos suggesting you’re still able to be active and work
• Missed deadlines

If your claim was denied for these or other reasons, you shouldcontact our lawyers for help with the appeal process. During your initial consultation, we will review your case before determining the most suitable way to approach it so you have the best chance of getting the long-term disability benefits you deserve.

How Can You Appeal a Long-Term Disability Denial?

The appeal process can be confusing and full of strict deadlines, which is why it’s critical to hire an experienced long-term disability appeal lawyer for help. Skilled legal professionals who have handled numerous cases like yours know exactly what kind of supporting evidence the insurance company requests to see before approving claims, and they can gather it on your behalf.

This process varies depending on what type of policy you have and why your claim was denied. For instance, if you have an ERISA plan, you must appeal within 180 days of the denial and follow the instructions in the notice you received. Otherwise, you could miss out on the benefits you were expecting to get for your disability.

Depending on your specific policy, successfully appealing the decision might require you to ask for a copy of your original disability claim file so you can determine what information was missing or incorrect. You’ll also likely need to ask your doctor for additional evidence of your disability, or even bring in medical experts who can write expert reports explaining why you can’t work due to your disability.

If you don’t have the time or energy to contact variousmedical professionals and request documents, you need a lawyer to take on these tasks while you focus on following your treatment plan. This is especially the case if your appeal goes to the courtroom, at which point you’ll want to have the help of a legal team with years of experience fighting for clients in court. Contact Chad Brown Law, PLLC to learn how our trusted long-term disability appeal attorneys in Iredell County, NC can assist you.

Why Should You HireOur Long-Term Disability Appeal Lawyers in Iredell County, NC?

When youset up a long-term disability insurance policy, you expect to be able to access the benefits when you need them. You should not have to go back and forth with the insurance company while you’re in pain and worried about how you’ll pay your bills. You deserve to know a compassionate legal team is on your side, ready to fight for you to get your disability payments. That’s why you should call Chad Brown Law, PLLC when you need assistance appealing your denied claim.

Our lawyers are Christian and caring, believing no one should be treated differently due to a disability. If you feel you’ve been unfairly denied your long-term disability benefits, please reach out to our Iredell County, NC law firm for legal assistance appealing the decision. Our goal is to get you the disability benefits you’re entitled to as soon as possible. Call us at 336-962-5373 to begin your case with a free consultation.