It's not because of anything you have done wrong. It is because insurance companies do not play fair. The job of the insurance companies is to ensure company profits and close claims quickly. Many times they will use a "technicality" to deny your claim, regardless of how disabled you are. This falls under the federal law called ERISA.
McDonald and McDonald can help you if your employer has provided disability insurance or life insurance benefits to you that have been denied by the Insurance company. In most cases we represent you on a contingency fee basis. Working on a contingency basis means that we would receive a percentage of the recovery from the insurance company when we win.
McDonald and McDonald can help you if your employer has provided disability insurance or life insurance benefits to you that have been denied by the Insurance company. In most cases we represent you on a contingency fee basis. Working on a contingency basis means that we would receive a percentage of the recovery from the insurance company when we win.
Services
Erisa
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Employers offering an employee benefit plan, such as long-term/short-term disability insurance, life insurance, health insurance, or a retirement plan, are subject to the provisions of ERISA. ERISA was enacted to protect employee benefit plan participants and their beneficiaries from mismanagement and abuse by the benefit plan sponsors.
Life Insurance Benefit Denial
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Call us right away - You have enough stress due to the loss of your loved one. Let us take this stress off your plate so you don't have to deal with the Insurance Company's games. Denial saying the policy was not in effect, even though they have received and cashed thousands of dollars of payments on the policy.
Long Term Disability Insurance Claims
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Has your employer provided you with Long Term Disability (LTD) Insurance Benefits as part of your employee benefits package? Has your LTD been denied or terminated?. Your LTD Insurance policy is supposed to provide you with the income you desperately need in the event you become disabled. But we frequently see insurance companies deny legitimate claims, refusing to pay well-deserved benefits.
Short Term Disability Insurance Claims
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Many Employers provide employees with disability insurance as part of their employee benefits package. Disability insurance is supposed to protect you if you experience a non-work related injury or become ill and cannot work. Provides partial income replacement for a short period of time (generally between 9-52 weeks or 1 year).
Social Security Disability Denial
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Many disabled applicants emphasize how they feel, but may not have the proper medical evidence, or proof of specific work limitations that arise from their medical problems. If your application has been denied, DO NOT fill out a new application for benefits, or you could be giving up your appeal rights!
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