Short and Long Term Chicago Disability Lawyers
ERISA or (Employee Retirement Income Security Act) as it is also known is a federally implemented law that was put in place to govern insurance programs that are sponsored by employers. ERISA is a comprehensive set of regulations, rules and guidelines that are often misunderstood. The law gives insurance companies way too much freedom to deny claims that are filed by disabled people. If you are struggling because of this law, then you need a professional legal representative that is proficient in all aspects of long-term disability laws. Without a knowledgeable attorney, you could be denied the disability benefits that you are entitled to. The experienced Chicago based short and long term disability lawyers are committed to protecting the rights of all disabled people, and they will help you in your pursuit of filing claims for the benefits and resources that you are entitled to.
Getting a Doctor That Understands ERISA Claims
Many employers will offer both short and long term disability insurance, so it is essential that ERISA exists to govern and keep these programs in check. Any disability insurance policy that is sponsored by an employer will be under the jurisdiction of ERISA. If you do become disabled, and have one of these policies in place with your employer, then there are a few things you can do to maximize the chance of being successful in pursuing your claim. The first thing you will want to do is to tell your doctor that you will be filing a claim. The success of your claim will be extremely reliant on the documentation and evidence that is submitted by your physician. Your doctor should be very thorough with the paperwork, so that a determination can be made as to whether or not your medical condition meets the requirement of what the definition of disability is under your insurance plan. You need to make sure that your doctor is highly specialized with whatever medical condition you have, and make sure that they are on board in dealing with the claims process for disability insurance. Our disability attorneys can give assistance in finding a physician that is familiarized with the ERISA claims process.
Be Meticulous When Preparing Your Claim Forms
You will need to make sure that you complete your application for short or long term disability thoroughly, so that a decision can be made as soon as possible. You will be able to obtain the forms from your employer. Once you have the forms, you need to make an appointment right away with an experienced attorney. Our attorneys will be able to help you fill out the forms, and we can ensure that you have all of the pertinent information included that the insurance company will need to make a determination on your claim. Our knowledgeable lawyers will be able to help with the assemblage of supporting documentation as well, so that the insurance company has no reason to deny your claim. Supporting documentation could include statements from those who know you well, medical records, physician statements, and anything else that could potentially help your claim. Once your claim has been submitted, you will need to stay on top of it. Make sure you have copies of everything that has been submitted, and request a copy of your claim file from the insurance company. This will have valuable information such as correspondence between the insurance company and you employer. This information could be vital if you have to go through an appeals process.
If your disability claim for short or long term insurance has been denied, delayed, or undervalued, then you need to contact social security and disability lawyers of Chicago. During your consultation the attorney will help you work out a plan to get you the benefits that you deserve.
