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    ERISA Long-Term Disability Lawyers Help You Get Approved

    Your long-term disability insurance policy through work gave you reassurance that if something happened—you got sick or injured and couldn’t work—you would have a financial cushion.

    Then when it was time to make a claim, the insurance company rejected you. It’s infuriating. An uncooperative corporation is deciding whether you’ll be stuck with financial hardship, or you’ll get to maintain the secure life you worked hard to build.

    Fight for a better outcome with help from an experienced long-term disability lawyer.

    Long-term disability policies from employers are governed by a federal law called the Employee Retirement Income Security Act (ERISA). It addresses health care, pensions, severance and disability coverage in the event of serious injury or prolonged illness.

    Originally the law gave employees the option to pursue claims in federal court if a long-term disability insurance company refused to pay.

    But of course, over the years, the insurance industry lobbied to turn ERISA into a tool to block policyholders as much as help them.

    When health problems disrupt your career, get your own lawyer to protect your rights.

    The Alabama disability lawyers at Clarkson Pennington Law have helped thousands of people win crucial financial assistance—and a return to peace.

    Call our ERISA lawyers in Birmingham, Chattanooga, Gadsden, Montgomery and Mobile. We serve North Alabama, the Black Belt, the Gulf Coast, Tennessee, and the whole Southeast.

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    How to Appeal Your ERISA Long-Term Disability Insurance Denial

    When an insurance company refuses to help you, you need to be careful how you proceed.

    You should know this:

    • First you must file an administrative appeal with the insurance company.
    • YOU HAVE 180 DAYS to file your appeal once you receive a denial of benefits.
    • If they still deny you, you can take your claim to federal court.
    • At federal court, you can’t add any new evidence that wasn’t part of your first appeal to the insurance company.
    • YOUR APPEAL MUST BE COMPREHENSIVE FROM THE START.

    A skilled Alabama long-term disability lawyer can make sure you get everything right—and get the best chance of receiving benefits.

    Because the clock is ticking, talk to the Clarkson Pennington disability lawyers as soon as you can.

    If you wait too long, you may not be able to get the best medical evidence into your appeal in time for a strong case in court.

    In the face of serious medical conditions and resistance from the insurance company, talk to our ERISA lawyers right away to protect your lifestyle and financial future.

    Contact Us Today! »

    How Does Social Security Disability Work? Get Answers.

    Social Security Disability is a huge, complicated program that often doesn’t seem like it cares much about you and your needs. Can’t get answers to your questions? Your disability attorney from Clarkson Pennington Law is the one who truly cares and guides you. Talk to us.

    Common Questions About SSD »

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