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UNUM Disability Lawyers with a Record of National Success

UNUM Claim Denial Attorneys Ready to Fight for You
If you are unable to work due to an injury or disability, the last thing you want to hear is that your insurance company has decided not to pay you the long term disability benefits you are entitled to. Unfortunately, individuals with UNUM long term disability coverage are often faced with that exact situation, leaving them scrambling to figure out how to pay their bills and support their families.

At the law firm of Burke, Harvey & Frankowski, LLC, we understand how frustrating it can be to be denied by UNUM; our UNUM disability insurance attorneys have worked with countless clients who have been turned away by UNUM claims representatives. The experience we have gained while helping past clients fight for UNUM benefits has given us invaluable insight into effective steps to take to improve your chances of prevailing against UNUM.

When attempting to obtain long term disability benefits under a policy offered by UNUM, you should:

Hire an experienced UNUM claims lawyer: While it is possible to file a claim for UNUM benefits without legal guidance, our assistance may prove to be the difference between an outright denial and approval. If you filed your claim alone and received notice that UNUM has denied your claim, do not proceed without an attorney.
When dealing with UNUM, knowledge is power: Filing a successful claim for UNUM benefits can be difficult; our knowledge of UNUM’s claims department and their requirements can be invaluable during your pursuit of benefits. We have a working knowledge of UNUM’s claims requirements, the reasons they often deny claims and the mistakes to avoid while filing your claim.
Do not allow yourself to be intimidated: UNUM has earned a reputation for intimidating their clients, or offering low ball benefits settlements just to make them go away. When your financial well-being is on the line, you cannot let yourself be intimidated by UNUM and its representatives. Our UNUM denied claims lawyers have stood up to the company time and time again, and have successfully recovered benefits for countless clients who were entitled to, and deserved them.
Explore every avenue: If you have been denied, you have the right to file a number of appeals directly with UNUM. Should these appeals fall on deaf ears, you have the right to file a lawsuit under the ERISA act, which prompts the review of your case by a federal judge. Our staff will help you understand all of your options, and will offer the guidance you need to explore every option available to you.

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Liberty Mutual Disability Lawyers; Pursuing LTD Benefits for You

Improve Your Chances – Talk to an Experienced LTD Attorney
If you are unable to work due to injury or disability, it can be difficult to keep your head above water financially. Fortunately, if you have long term disability coverage, you may be entitled to financial support while you focus on your physical well-being. In some cases, however, long term disability benefits may be difficult to obtain when your insurance provider denies your eligibility for benefits.

One of the country’s most recognized insurance providers, Liberty Mutual, has been known to deny claims based on a number of factors, including lack of supporting documentation or information. When filing a claim for long term disability benefits under a Liberty Mutual plan, the guidance of an experienced lawyer can be invaluable in helping you improve your chances of obtaining the benefits you are entitled to.

At the law office of Burke, Harvey & Frankowski, LLC, our Liberty Mutual LTD claims attorneys understand the difficulties often associated with filing a Liberty Mutual claim for LTD benefits. We’ve helped countless clients with Liberty Mutual coverage during the process of filing an initial claim or appealing a denied claim.

The Help You Need to File an Effective Liberty Mutual Claim
When filing a claim or appealing a denied claim for long term disability benefits under a Liberty Mutual plan, it can be helpful to have the assistance of an experienced lawyer. Working closely with you, our staff will help you address the many steps in the claims process, including:

Gathering all necessary documentation and medical records
Obtaining necessary information from doctors and accountants
Organizing your financial records
Understanding and answering all questions on the claims application
Filing your claim in the manner that maximizes the chance of approval
Unfortunately, even the best prepared claims may be denied by Liberty Mutual’s claims department. In the event that you receive notification of a denial, it is important to know that you have the right to file an appeal, and eventually have the option to file a lawsuit under the ERISA act. To help you obtain the benefits you qualify for, our National LTD attorneys offer detailed advice on the many issues related to the appeals process, including:

Understanding the reason for your denial
Acquiring additional documents or information to file the appeal
Completing the appeals paperwork
Filing your appeal within the allotted time frame
Filing a lawsuit under the ERISA act
Preparing your case for review by a federal judge during the ERISA suit
Even if you qualify for long term disability benefits under a coverage plan offered by Liberty Mutual, you may be in for a struggle to obtain your support. You don’t have to face your battle alone, however; our staff will help you address every issue during your quest for benefits.

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MetLife Long Term Disability Lawyers for all the U.S.

Attorneys Guiding You Through the Process of Obtaining LTD Benefits
A well-known name across the country, MetLife offers a wide range of insurance plans, including long term disability coverage. If you are unable to work due to an injury or disability and carry MetLife long term disability coverage, you may be entitled to financial support. Unfortunately, qualifying for, and actually obtaining, benefits is not the same thing; many individuals who are qualified for benefits are denied on their first attempt at obtaining benefits.

At the law firm of Burke, Harvey & Frankowski, LLC, we understand how important long term disability benefits can be while you are unable to work. We also understand how difficult it can be to obtain your benefits when you are dealing with a challenging and painful physical condition. Fortunately, you do not have to face the claims process alone; our MetLife disability claims attorneys have the skill and experience needed to help you traverse the claims process or appeal a denial of your claim.

Filing Your Initial Claim
Working closely with you, our attorneys will help you gather all necessary documentation needed to file your initial claim, including:

Medical records
Doctors’ opinions and notes
Financial statements
Pay stubs
Once all of the required information and documentation has been gathered and carefully organized, we will help you complete your claim in the manner that provides the best chance of successfully obtaining benefits.

Appealing a Denied Claim
If you have received a denial notice, it is important to understand that you have the right to appeal the decision. Our staff will help you understand the reasoning behind your denial and gather any additional information needed to file your appeal directly to the MetLife claims department.

Should the appeal with MetLife continually be denied, you have the option to file a lawsuit under the ERISA act, which prompts a review of your case by a federal judge who will make a final ruling on your benefits dispute.

Throughout every step in the appeals process, our National LTD benefits attorneys will work with you to continually improve your case and demonstrate your eligibility for benefits.

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Cigna Disability Attorneys

Pursue Cigna Long Term Disability Benefits with an Experienced Lawyer
As one of the largest insurance providers in the country, Cigna offers long term disability benefits to millions of individuals. Unfortunately, many of these individuals are turned away when they need the benefits they are offered under their plan, even when they are clearly qualified to receive them. In fact, in recent years, Cigna has gained a reputation for denying a large percentage of claims for long term disability benefits under the guise of requiring additional “objective information”.

At the law firm of Burke, Harvey & Frankowski, LLC, we believe that no one who is unable to work due to injury or disability should be denied the benefits they are entitled to under their LTD coverage. With more than 50 years of combined experience, our Cigna disability lawyers have the skill and insight needed to help you address a wide range of issues relating to your Cigna benefits claims, including:

Filing your initial claim: While it is possible to file your initial benefits claim without an attorney, having us in your corner may dramatically improve your chance of obtaining benefits on the first try. Working closely with you, your doctors and accountant, we will help you gather all documentation and information needed to file your claim. We will also help you complete the claim documents in a manner that clearly demonstrates your condition and your qualification for benefits.
Appealing a denied claim: Unfortunately, a large number of Cigna claims are denied. A denial notice does not signal the end of your pursuit of benefits, however; you have the option to file a number of internal appeals to Cigna. We will help you understand the reasoning behind your denial, and will work diligently to address the issues Cigna found with your documentation and paperwork before helping you file your appeal.
Taking your case to court: In some cases, you may be able to obtain benefits through the internal appeals process with Cigna’s claims department. Unfortunately, Cigna may continue to approve your claim. Should the internal appeals process fail, you have the right to file an ERISA lawsuit to have your case reviewed by a federal judge, who will offer an objective ruling on your qualification for benefits. We will help you file the ERISA suit, and prepare all necessary documentation for the review process.