Blog Posts

Physical Disabilities

Peter H. Burke0 Comments

Long Term Disability Lawyers Committed to You
Is Your Condition Covered? Ask a National Physical Disability Attorney
While long term disability benefits plans vary widely from employer to employer and insurance company to insurance company, the physical disabilities they cover are often very similar. Unfortunately, the process of determining if your physical disability is covered under your LTD plan can be quite challenging and offer a great deal of confusion; having an experienced attorney at your side can be highly beneficial in helping you understand if your condition is covered.

At the law firm of Burke, Harvey & Frankowski, LLC ,our physical disabilities lawyers leverage more than 50 years of combined experience to offer detailed advice to individuals who are unable to work due to serious injury or physical impairment. In our many years of practice, we have helped clients nationwide who have suffered from a wide range of injuries, including:

Spinal cord injuries
Brain and head injuries
Loss of limb
Broken bones
Back injuries
Carpal tunnel
We have also assisted countless clients who have experienced physical impairment due to illness or disease, including:

Multiple Sclerosis
Parkinson’s Disease
Cancer
Diabetes
Arthritis
Personalized Guidance during Your Pursuit of Answers
If you are unable to work due to injury or disability, you probably have a lot more questions than you have answers. Our staff will take the time to carefully examine your specific coverage plan and condition before offering you the personalized advice you need to understand your options for obtaining benefits.

From the moment you retain us until the moment you receive a final decision on your benefits, you will never be left without answers to your questions, nor will you be left wondering about the status of your proceedings. In short, we will not rest until we have helped you recover the benefits you are entitled to – if we aren’t able to help you recover benefits, we won’t charge you a penny in legal fees.

Blog Posts Mental Health Disabilities

Mental Disability Claims Lawyers

Peter H. Burke0 Comments

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:

Depression
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

Peter H. Burke0 Comments

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.

Blog Posts

Insurance Bad Faith Lawyers: Protecting Your Rights

Peter H. Burke0 Comments

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.