ERISA Appeals Book: LTD Consumer Guide

Even Federal Judges Say You Should Get a Lawyer to Do Your Appeal for Long Term Disability Cases

We’ve all heard the saying “The Devil is in the details” and that is exactly what your insurance company wants for you to believe when they deny your long-term disability claim.

First the insurance company will try to convince you that there is some detail written into your group disability policy allowing them to worm their way out of paying you what you’re entitled to under that very policy. While it is true that there are tricky little quirks slipped into your policy—PAY ATTENTION because if this is not addressed, your entire Long Term Disability Claim can completely blow up, without the chance of repair.

Under the Employee Retirement Income Security Act (ERISA), you must prove that your denial was not just wrong, but unreasonable. You get no trial and there are no witnesses. Everything the judge does is based on papers submitted. You will not be given the opportunity to have the other side answer questions under oath like revealing the financial incentives paid to so-called independent doctors when they agree with insurance company denials.

Why doesn’t Congress fix these injustices? Because their disability plans aren’t governed by ERISA. So Congress simply doesn’t care.

This book explains what you can do and why you must do it immediately.