At our law firm, we represent disabled clients in their applications for long-term disability benefits. It is not unusual for LTD insurers to make mistakes in their decision-making processes, causing a wrongful denial of benefits. Often when an experienced lawyer carefully reviews the administrative record of medical and vocational evidence the insurance company or its administrator relied on to deny or terminate benefits, the attorney discovers errors.
People with long-term disability insurance file claims for benefits when their physical or mental impairments prevent them from working. All too often, LTD insurers seem to go to great lengths to find any way to deny these claims.
At our law firm, we represent long-term disability claimants whose claims have been denied or whose benefits have been terminated. If the LTD coverage is provided through a group policy taken out by the claimant’s employer, normally, the claim’s process is governed by ERISA, a federal law that imposes standards of fairness on the insurer’s claims-processing practices and procedures.