#Insurance #disability #benefits
Insurance disability benefits
Long Term Disability Benefits Lawyers
Helping people who are denied disability, life, long-term care, and health insurance nationwide
Eric Buchanan teaches disability law to other attorneys
Eric has spoken at many national conferences teaching other attorneys about ERISA, disability insurance, and social security disability.
We assist thousands of people fighting wrongful denials
We have helped thousands of people fight wrongful denials by insurance companies and the Social Security Administration.
Know that the insurance company is NOT on your side
Insurance companies know the law and have attorneys on their side, who will use the law to deny your claim!
There is no fee unless we win your disability case
We assume all of the risk. You will not pay for our services unless we win your disability case.
Long Term Disability Lawyers
Long Term Disability Benefits Attorneys
Long term disability insurance is supposed to protect your income, and provide money you and your family need during a time when you can no longer work.
If you become unable to work for an extended period of time and have long-term disability (LTD) insurance or a disability insurance policy, you may have already found that filing a long-term disability claim can be an extremely frustrating and complicated process. The process is even more frustrating and complicated if an insurance company has denied your claim. Long Term Disability benefits attorney Eric Buchanan and his disability insurance team are here to help.
Unfortunately, disability insurance companies know that it is difficult for most people to understand how to properly apply for and appeal a disability insurance claim, and will try to take advantage of you by denying the claim.
You already have enough to worry about with your medical treatment, medical bills, and other complications caused by your loss of health. You should not have to fight with a disability insurance company while you have so much going on in your life.
Because insurance companies take advantage of disabled people who file claims, you need someone on your side who understands the rules of the game, knows how to hold the insurance companies accountable, and knows how to help and work with people who are going through an extremely difficult time in their lives. At Eric Buchanan and Associates, we have a team of attorneys and professional staff who understand the rules, and know how to use those rules to protect the rights of people filing disability claims. We have a team dedicated to helping people fight insurance companies to help obtain the benefits they deserve.
The processes of claiming long-term disability (LTD) benefits can be extremely confusing and even more frustrating. Often, employees whose disabilities make it impossible for them to continue working find that their coverage is far less than they expected. Many have their claims denied outright and do not know how to navigate the additional complexities of the appeals process. Experienced long-term disability insurance lawyers can provide invaluable assistance at all stages of the claims process.
A skilled long-term disability attorney can help improve the chances of your claim being resolved favorably by analyzing your situation and developing a strategy even before your claim is filed. We will assist you with filling out claim forms along with reviewing your medical records and recommending any additional doctor’s visits or medical tests that might make your claim stronger. Counseling is encouranged to avoid the pitfalls that insurance companies sometimes use to deny your benefits. By documenting the continuing eligibility of your condition and filing for an administrative disability appeal quickly will help if your claim is denied. Your long-term disability attorney encourages preparing evidence and obtaining an expert witness testimony. You then take the case to court, if necessary.
Long Term Disability Benefits Attorney Eric Buchanan and his professional team has handled hundreds of ERISA cases, and is very familiar with the complicated ERISA rules. In fact, Eric Buchanan and the other attorneys regularly teach other attorneys around the country about ERISA, and how to properly handle a denied disability claim under ERISA.
How a LTD Lawyer Can Help Your Case
Our Long Term Disability Attorneys have helped many individuals with a variety of different claims. As there are many different causes of long term disability claims, the main causes are shown below.
You need an experienced disability law firm on your side because the rules can get complicated. There are two different sets of rules depending on whether you obtained your insurance through work or directly from an insurance company. If you get your disability insurance coverage through work, those types of policies cover a group, and are typically called a long-term disability or (“LTD”) policy. A policy purchased directly from an insurance company that just covers you is typically referred to as an individual disability insurance (“IDI” or “DI”) policy.
Employer-provided group LTD policies are almost always governed by ERISA, the Employee Retirement Income Security Act of 1974. This federal law is supposed to protect the assets of millions of Americans so that funds placed in retirement plans during their working lives will be there when they retire. However, ERISA also applies to the rules governing long-term disability and other insurance coverage most Americans obtain through work. Unfortunately, courts have interpreted ERISA to establish rules that benefit insurance companies over employees. ERISA also has very complicated procedural rules that must be followed in order to preserve your appeal rights.
Disability insurance companies understand the rules and know how the game is played, and will use those rules against you. The insurance companies also know you are going through a difficult time in your life, and that you may not be at your best, and you may not be prepared to fight the insurance company on your own.
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