Sacramento Disability Appeals Attorney
Skilled Disability Appeals Lawyers Serving Clients in Sacramento
Your long-term disability insurance offers a critical lifeline if you have been disabled and can no longer work. But the sad fact is that of the millions of people who file for long-term disability benefits in this country each year, over half of these individuals are turned down by their insurer. Although you are not alone, this is not the time to give up. You can turn to our Sacramento disability appeals attorney for help.
Fortunately, insurance laws ensure that you have recourse if you have been denied benefits. After a denial, you have the right to file an appeal with the insurance company. Because this is your future, it is no time to try to navigate the appeals process alone. At times like this, it’s critical to get the help of a Sacramento disability appeals lawyer to guide you in the process and help ensure the success of your appeal. At Pillsbury & Coleman, LLP, we can help.
Insurance laws can be complicated and different types of disability policies will be governed by different laws. Individually-purchased policies will be governed by state laws, whereas those issued through an employer will be governed by ERISA, or the Employee Retirement Income Security Act of 1974. Your Sacramento disability appeals attorney will know how to navigate the appeal process for each.
The Safety Net You Never Thought You Would Need is Now Your Lifeline
Your disability insurance is something you probably never counted on using. It was a safety net if you ever became disabled due to an illness, accident, or other condition, something that you never counted on happening. You probably tucked the information away hoping to look at it at a later date. But now that you need that safety net, a denial can feel exhausting and frustrating.
Disability appeals lawyers in Sacramento see this far too often. And we understand how the industry uses small details to deny claims. While you are busy dealing with doctors and trying to manage your recovery, the insurance company is picking through your claim, looking for technical errors and missed deadlines in an attempt to deny it.
How the Industry Looks to Deny Claims
Insurers have a whole arsenal of ways to deny benefits, unbeknownst to the insured party. They require extensive documentation by your physician to support your diagnosis, treatment, and prognosis with a detailed assessment of your limitations as they relate to your job.
Because disability benefits eat into their bottom line, they look long and hard at all your records and supporting documentation to see if they meet the insurance company’s very high standards for approval. In most cases, they don’t. This is when having the assistance of a Sacramento disability appeals lawyer can be vital.
A Sacramento Disability Appeals Attorney Can Take the Burden Off Your Shoulders
At Pillsbury & Coleman, LLP, we know that getting denied benefits can be devastating to a family that is already feeling the financial constraints when a loved one is not working. As experienced disability appeals lawyers in Sacramento, we understand that the last thing our clients want to do is fight their insurance company to get the benefits that they rightly deserve and we strive to take that burden off their shoulders.
When you get the guidance of our team, we will assist you every step of the way from understanding and filing the appropriate paperwork, to gathering the correct evidence and documents to support your claim, to representing you in the appeals process. At Pillsbury & Coleman, LLP, our experienced Sacramento disability appeals attorneys have dealt with every major disability insurer in California and understand their methods. Contact us to schedule an appointment to see how we can help you in your appeals process.