Blog Posts Disability Claims

An Experienced Disability Attorney Can Help You Collect LTD Benefits

Nationwide Long Term Disability Lawyers
If your employer offers long term disability benefits, you’ve probably been paying part of every paycheck for their premiums. While it has been easy for the insurance company to collect your payments, it isn’t always as easy for you to obtain the benefits you have been paying for when you need them. In fact, collecting benefits can be very difficult, and may require the assistance of an experienced lawyer.

At the law office of Burke, Harvey & Frankowski, LLC, our Long Term Disability lawyers have the skills and knowledge needed to help you obtain the benefits you are entitled to under your LTD plan. With more than 50 years of combined experience, we have gained a detailed insight into the intricate nature of the LTD program and the process of collecting benefits.

Detailed Support during Your Pursuit of Benefits
Working closely with you, we will help you draft your initial claim for long term disability benefits. Our experience allows us to offer the detailed advice you need to understand the questions you are being asked, the information the insurance company requires and the bureaucratic hoops you may have to jump through to collect your benefits.

Unfortunately, many initial claims are denied by the insurance companies. If you have been denied, you should not panic, but do need to understand your rights to file an appeal. Our staff will help you address the reasons behind your denial and will assist you in filing your appeal in a manner that offers you the best chance of obtaining benefits.

Once your claim has been approved, you should start receiving benefits payments within a short amount of time. Your payment amounts will vary, as long term disability programs are all different, but should be at least 50 percent of your wages. It is important to note that you are entitled to any back dated benefits you did not receive while you were waiting for approval of your claim or appeal.

Nationwide Long Term Disability Attorneys; Reduce Your Financial Worry
When you are trying to obtain LTD benefits, the last thing you want to think about is a huge legal bill. Our staff offers our representation solely on a contingency fee basis, meaning that we do not charge you 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 speak to an attorney without obligation; learn more about our staff and how we can help without ever spending a dime.

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.

Blog Posts Disability Claims Long Term Disability

UNUM Long Term Disability Lawyers

LTD Attorneys Assisting Clients in Pursuit of UNUM Benefits
As one of the largest long term disability insurance providers in the country, UNUM provides coverage to millions of individuals nationwide. Unfortunately, UNUM has gained a reputation as being one of the most difficult insurance companies to deal with; they have placed high on the list of companies who deny claims and have become the subject of government investigations into bad faith practices, or the practice of denying claims without cause. The high denial rate has led to a great deal of hardship on behalf of many injured and disabled clients, leaving them without the financial support they are entitled to under their LTD coverage.

At the law firm of Burke, Harvey & Frankowski, LLC, our UNUM long term disability attorneys have represented countless clients attempting to file a claim for benefits under plans offered by UNUM. We’ve also represented hundreds of clients who have had their claims denied by UNUM, as well as those who have been awarded reduced benefits payments. This experience has given us a unique insight into the inner workings of UNUM as a company, allowing us to offer advice on a number of issues, including:

Handling UNUM claims
UNUM denial issues
Prevailing against UNUM
When Going Up Against a Fortune 500 Insurance Company, Knowledge is Power

As a Fortune 500 company, UNUM has the ability to shrug off most of your attempts to collect your benefits. In short, your complaints and calls will likely fall on deaf ears as UNUM may view your claim as inconsequential.

When dealing with UNUM, it is important to understand the proper methods of getting results. Our national LTD attorneys have gained a detailed knowledge of UNUM as a company, and have first-hand knowledge of the way they handle claims for long term disability benefits. This insight allows us to offer advice on the proper methods of completing your claim, and the best manner in which to file that claim to improve your chances of successfully obtaining benefits.

Going up against UNUM can be a difficult task under the best circumstances; when you are injured or addressing a disability, the process can seem impossible. You don’t have to face UNUM alone though, our staff will help you address every step in the process of pursuing the benefits you deserve.

Blog Posts Disability Claims

Dentist Disability Claims

LTD Lawyers Serving Dentists Nationwide
Injured or Disabled? Talk to a Long Term Disability Attorney
As a dentist, protecting yourself and your practice are likely high on your list of priorities; insuring that you carry long term disability coverage is one key step in protecting your practice should you ever become injured or disabled. While long term disability insurance can be a great way to reduce the financial strain you feel while you are unable to work actually obtaining the benefits you are entitled to can be a difficult and confusing task.

At the law firm of Burke, Harvey & Frankowski, LLC, we offer detailed long term disability advice to dentists who have purchased their own LTD coverage. With more than 50 years of combined experience, our dentist LTD attorneys have the knowledge needed to help you pursue benefits when you are kept from working due to a serious injury or disability. These benefits can be vital in keeping your practice and your family financially secure while you work to recover or transition to the next phase in your life.

For LTD Claims & Appeals, Call an Experienced Disability Lawyer
As a dentist, you are likely very familiar with insurance claims; you’ve probably filed hundreds of claims for your patients. Unfortunately, long term disability claims can be much more complicated than a dental insurance claim. In fact, many claims are denied by the insurance provider for a number of reasons, including a lack of required information, or simply because they do not want to pay.

As an individual without employer backing or a human resources department to turn to, your claim takes on additional challenges. Fortunately, you do not have to face the process alone. Our staff will help you address the many complexities involved in the initial claims process, including:

Gathering all necessary documentation and information
Coordinating with doctors and accountants for supporting evidence of your claim
Completing your claim documents
Filing the claim in a manner that provides the best chance of approval
Unfortunately, many insurance carriers will deny your claim simply because they do not want to pay and feel that you do not have the support needed to press the issue. They could not be more wrong. Our staff will also guide you through the steps of filing an appeal, including:

Understanding the reasoning behind the denial
Addressing the issues leading to the denial
Gathering additional documentation or information
Completing the appeals paperwork
While we have often been successful in helping past clients obtain benefits through the internal appeals process with the insurance providers, some carriers simply refuse to listen to the evidence supporting your claim. Should your carrier continually refuse your claim, despite clear evidence of your qualification for benefits, we will help you file an ERISA lawsuit to have your case reviewed by a federal judge. In short, we will not rest until we have helped you exhaust every avenue to have your case approved.