Employers use many different types of long term disability plans. Most of them are provided by insurance companies to which your employer pays a premium each month. You may even contribute money from your paycheck for part of that premium.

At the Law Office of P. Randall Noah, we understand long term disability insurance. When you have been denied long term insurance benefits, we will assist you in pursuing your claim.

Navigating the Appeal Process

When you have a long term disability insurance claim, you must apply to your disability insurance provider. If you are denied benefits, you can appeal to the insurance carrier for reconsideration. If the insurer continues to deny your benefits, you have the right to take your claim to a federal court, if your long term disability insurance is provided by your employer.

The federal laws relating to group benefit claims are part of ERISA - the Employee Retirement Income Security Act of 1974. ERISA also sets forth administrative rules for the procedures of handling a long term disability claim.

Typically, you have 180 days to appeal to the insurance company its denial of your benefits. If the appeal is also denied, you may then proceed to federal court for a lawsuit against the insurance carrier, based on the evidence, witnesses, statements, documents, and other materials.

This complex process can be simplified with the help of a lawyer who knows and understands the rules associated with it. At the Law Office of P. Randall Noah, we have helped many clients file their claims promptly and efficiently.

Contact our office to arrange for a free initial consultation. We will listen to your concerns, evaluate your case, and advise you of your legal options.

Law Office of P. Randall Noah
2 Theatre Square
Suite 234
Orinda, CA 94563
Phone: 925-253-5540
Fax: 925-253-5542