Blog Posts Mental Health Disabilities

Mental Disability Claims Lawyers

Is Your Condition Covered? Talk with a National LTD Attorney
Contrary to popular misconception, mental health issues can be very debilitating, and are far more common that the average individual may believe. Symptoms of certain mental health issues are so debilitating that they may prevent the sufferer from being able to function in everyday situations. When simply getting out of bed can seem like a challenge, the prospect of working is simply unimaginable.

At the law firm of Burke, Harvey & Frankowski, LLC, we understand the dramatic impact a mental health issue can have on your life. We also understand how difficult it can be to work while you are dealing with your mental health disability. You are not alone, however — with more than 50 years of combined experience, our mental health disability claims attorneys have the skill and knowledge needed to help you understand your options for obtaining financial support while you address your mental well-being.

We’ve Fought Battles against Insurance Companies – And Won
If your employer has offered you long term disability benefits, and you are unable to work due to a mental health disability, you may be entitled to financial support. Unfortunately, many insurance providers do not view mental disorders as disabilities. Many take a strong stance against granting benefits to individuals with mental disabilities simply because of the difficult nature of proving the disability exists, and prevents you from working. In other cases, the insurance company will place a limit on the length you may receive benefits as they claim that mental health disabilities have a statute of limitations of just two years.

In our years in practice, we have fought battles against insurance companies who have refused to honor their commitment to their clients. In many cases, we’ve been successful in helping our clients obtain the benefits they deserved while they were unable to work.

The experience we gained while addressing cases of a challenging nature allow us to help individuals who are prevented from working due to a wide range of mental health disabilities, including:

Post-Traumatic Stress Disorder
Bipolar Disorder
Contact our LTD Attorneys to Fight for Your Benefits
You’ve faithfully earned your long term disability benefits, and it isn’t right for your insurance company to dismiss your claim out of hand simply because they view your condition differently than you do. Our staff has the knowledge and skill needed to help you mount a strong case for benefits and will assist in every step of filing your initial claim and necessary appeals. In short, we will not rest until we have helped you explore every possible avenue in your quest for benefits.

Blog Posts Disability Claims

Disability Law Attorneys Helping You Understand Your Rights

Our LTD Lawyers will Help You Receive an Honest Review
Under long term disability plans, individuals who are unable to work due to disability or injury may be entitled to financial assistance. Unfortunately, many individuals who are entitled to receive long term disability benefits encounter resistance from their insurance companies; your insurer is often more concerned about protecting its own profit margins than helping you while you are unable to work. In many cases, insurance companies refuse claims pending an investigation or review by a doctor of their choosing, when in fact, you have the right to be evaluated by an independent physician without ties to your insurer.

At the law firm of Burke, Harvey & Frankowski, LLC, our disability lawyers leverage more than 50 years of combined experience to support disabled and injured individuals throughout the United States. Our knowledge of the long term disability program allows us to offer you the advice you need to understand your rights, the benefits you are entitled to and the options you have for pursuing those benefits. While many insurance companies will try to intimidate you into dropping your claim, or make the process so difficult that you finally relent, we will fight to insure that you receive the payments you are entitled to under your specific program.

You Have the Right to Choose Your Own Doctor
Before approving a long term disability claim, your insurance company may ask you to see a doctor they have chosen for a second opinion. Since you have nothing to hide, doing so may be in your best interests, as their doctor will simply be reinforcing the opinions of your own doctors. It is important to note that you have the right to visit whichever physician you choose, and that your physician’s report must also be considered during the insurance company’s review of your case.

Unfortunately, we know that insurance companies are often heavy handed, and that your claims representative may use intimidation or confusion to convince you to see one of their doctors rather than your primary care physician. Our staff will never allow you to fall victim to insurance company strong arming, instead, we will work with you to help you understand the best ways to comply with your insurer’s requirements while also insuring that your case receives a fair and honest review.

Contact our LTD Attorneys for the Support You Deserve
Many individuals choose to file their initial claim for long term disability benefits alone. While this can be effective at times, you may open yourself to increased coercion or intimidation. Having us in your corner insures that your case is reviewed to the smallest detail, and that your insurance company adheres to your rights at every step in the claims process.

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Insurance Bad Faith Lawyers: Protecting Your Rights

Recover the Benefits You Deserve – Call Our LTD Attorneys
Much like car insurance, long term disability coverage is something that many of us take for granted, or never expect to need. If you are ever seriously injured or become disabled and are unable to work, your long term disability benefits may be the only thing keeping your family afloat. Unfortunately, your insurer does not always have your best interests in mind; in fact, most insurance companies are focused on limiting payouts and protecting their bottom line, rather than helping their clients.

At the law firm of Burke, Harvey & Frankowski, LLC, we take exception to insurance companies who refuse to honor their commitments. With more than 50 years of experience, our insurance bad faith attorneys have the knowledge needed to help you hold your insurance company responsible for the benefits you are entitled to under your LTD program.

Our LTD Attorneys will Fight to Help You Recover the Benefits You Deserve
When you are injured or disabled, dealing with an insurance company can be frustrating and exhausting, especially when they refuse to acknowledge your legitimate claim for benefits. Our staff believes that insurance companies should be held accountable for bad faith practices, or denying claims without reason or to protect their bottom line.

By guiding you through the process of filing an ERISA lawsuit, we will help you put your claim into the hands of a federal judge who will make a ruling on your benefits. This step eliminates the insurance company’s influence on your claim, and allows you to receive an independent decision on your case. We will help you prepare your claim to the smallest detail to give the judge every piece of information needed to make an educated ruling based on the facts of your case.

Ending Bad Faith Practices
While we are wholly committed to helping you obtain the long term disability benefits you are entitled to, we also believe that it is important to end bad faith practices by insurance companies. To do so, we will explore the option of filing a bad faith lawsuit on your behalf; under this civil proceeding you may be able to recover additional money for your mistreatment. If many cases involving bad faith practices on behalf of a particular insurer exist, we may be able to file a class action lawsuit on behalf of several plaintiffs.

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Self-Funded LTD Claims Lawyers

LTD Attorneys Can Help with Own Occupation Disability Claims
When you own a business or have a profession that requires you to fund your own long term disability program, the process of making a claim for benefits can carry challenges that individuals filing a claim under an employer funded plan never face. In many cases, your insurance carrier may deny your claim simply because they do not want to pay you, and they feel that you do not have the leverage of an individual enrolled in a group plan may have.

At the law firm of Burke, Harvey & Frankowski, LLC, we understand the frustration associated with own occupation claims denials; you’ve faithfully paid your premiums only to be turned away when you need the benefits you are entitled to. With more than 50 years of combined experience, our self-funded LTD claims attorneys have the knowledge needed to help you understand the benefits you are entitled to, your rights as a policy holder and your options for pursuing your benefits.

Evening the Playing Field during Your Search for Benefits
Without an employer backing you during your benefits claim process, it can be incredibly difficult to obtain the financial support you’ve paid for and are entitled to. Fortunately, you do not have to face your claim alone; our staff has the skill and insight needed to guide you through every step involved in filing an initial claim or appealing a claim that has already been denied.

More than legal advice, we offer you a distinct advantage during your quest for long term disability benefits. With us in your corner, your insurance carrier will likely take a more detailed look at your claim before making a decision. Additionally, if history is any indicator, many insurers would rather pay a benefit claim than go through the expense of defending against an ERISA lawsuit. In short, our mere presence in your camp will make the insurance company take notice, and will prevent them from denying your claim simply because they don’t want to pay.

Call our LTD Attorneys to Discuss Your Own Occupation Claim
When you have been injured or are unable to work due to a disability, facing a long term disability claim alone can be a frightening proposition, especially when you do not have an employer or human resources department to turn to for advice. Having a competent LTD claims attorney in your corner can be an effective way to cut through the red tape standing between you and the benefits you so desperately need.

Our staff offers our representation on a contingent fee basis, meaning that we do not charge any legal fees unless we are successful in helping you obtain the benefits you are entitled to. We also offer free consultations to give you the chance to discuss your case without obligation.