Assisting Clients With Individual or Employer-Provided Short & Long Term Disability Benefits
While not required to do so, most employers today offer short term and long term disability benefits to their employees. These benefits are most frequently promised to employees in exchange for premiums paid by the employee or the employer through insurance coverage. When an employee suffers from a medical condition, disability benefits are meant to ensure that the disabled employee has a stream of income even if he or she cannot go to work. If an illness or injury is making it difficult for you to keep working, you should discuss your situation with a qualified Chicago disability attorney.
The legal team at Bryant Legal Group PC has over ten decades of collective experience helping people collect disability benefits under both individually purchased and employer-based disability policies. With respect to plans offered by employers, we frequently represent employees in matters involving the following types disability benefits :
- Short Term Disability
- Long Term Disability
- Applying for Short Term Disability Benefits
- Applying for Long Term Disability Benefits
- Types of Short & Long Term Disabilities Covered
- Short Term Disability Claims and Appeals
- Long Term Disability Claims and Appeals
- Lump Sum Settlements and Buyouts
- Non-ERISA Group Benefits
- Disability FAQs
Our lawyers guide clients through every aspect of the disability process, from filing the initial claim, to appealing a denial, to litigating the matter in court. We understand the difficulties you are likely to encountering will put our legal skills and resources to work for you.
Has the Insurance Company Denied Your Disability Claim?
If you have already filed a claim for disability benefits and have been denied, the insurance company probably sent you a letter with language that sounds like the following:
- MetLife – While Ms. REDACTED did have some restrictions and limitations as of that date, those restrictions would not have prevented her from performing any other gainful occupation for which she was reasonably fit by education, training or experience.
- CIGNA – We have completed our review of your client’s appeal for LTD benefits under the above captioned policy and must advise you that we are reaffirming our previous denial of benefits dated May 4, 2011 and March 27, 2012. Please refer to our previous denial letter for specific policy definitions and previously reviewed information.
- Dearborn National – In conclusion, the medical evidence does not support your inability to perform the material duties required of an Assembler. Therefore, your claim is being closed at this time, and no benefits payable.
- Unum – We have determined the medical evidence does not support your inability to perform the duties of your occupation. Because you are not disabled according to the policy, benefits are not payable.
- Guardian – This letter provides you with a claim determination based on the available information contained in your file. Please note, we are in receipt of your 2011 calendars and the additional Profit and Loss Statements and appreciate your submission. However, this information does not alter our position outlined herein.
- Unum – Your claim was previously closed on November 20, 2012 when we determined that you were able to perform the duties of your occupation and that you were not seeking appropriate care for your condition.
- CIGNA – In our letter dated April 30, 2012 we advised you that we were conducting an evaluation to determine your eligibility for benefits beyond November 25, 2012, which is when your policy’s definition of disability changes. We have completed our review and determined that you no longer remain disabled as defined by your policy.
- The Hartford – We have completed our review of your claim for benefits and have determined that we are unable to complete our investigation. Because of this, we must deny your claim.
- The Hartford – We have completed our review of your claim for benefits and have determined that the evidence submitted in support of your claim does not establish that you continue to meet the Policy definition of Disability. Accordingly, LTD benefits are not payable to you under the terms of this Policy beyond October 24, 2012.
- MetLife – Based on a thorough review and evaluation of all the documentation contained in your claim file, we find that you do not qualify for LTD benefits as the medical documentation received does not support your inability to perform your own occupation. …medical documentation was reviewed with our Clinical Specialist who found that while you may continue with weakness and fatigue there is no medical documentation to support that you are unable to perform your occupation.
- Lincoln Financial Group – We have completed our review of your Long Term Disability appeal. Based on the information provided, we have determined that we are unable to approve benefits beyond 09/28/12. In our appeal review process, all information previously submitted as well as any new documentation was used to make a determination.
- Prudential – Based on the information in your file, you do not continue to satisfy the definition of disability above. Therefore, we have closed the handling of your claim effective April 26, 2013, the date of this letter.
- Sedgwick CMS – This letter is in regard to your claim for benefits under REDACTED Long Term Disability Plan. At this time, it has been determined that you do not qualify for disability benefits under the Plan. As a result, your claim for benefits is denied for the period beginning September 21, 2012.
While short and long term disability policies are designed to protect employees who suffer from illnesses and medical conditions that prevent them from working, insurance companies are notorious for denying valid claims. If you have received a denial of benefits letter we strongly recommend that you seek of the assistance of a disability lawyer immediately. If involved early on, Bryant Legal Group PC can lay the foundation needed to appeal your claim to the insurance carrier, negotiate a settlement or take your case in court.
Don’t Delay – Contact a Chicago Disability Attorney at Bryant Legal Group PC Today
When your claim for disability benefits has been denied, you usually only have a limited amount of time to appeal the decision. If you fail to act with the deadline, you may forfeit your rights to collect the benefits you need to support yourself and your family. Don’t delay, contact a Chicago disability attorney at Bryant Legal Group PC today by calling our office at 312-561-3010 or emailing firstname.lastname@example.org.