Yes. Statistics show that approximately 70% of disability claims are denied. You will be required to submit a voluminous amount of evidence supporting your disability claim. The entire process is complex and lasts months, especially if you are initially denied. In addition, if you are mentally or physically disabled, the task of getting your claim approved might prove overwhelming, causing your claim to be denied due to "insufficient evidence."
You need an experienced lawyer knowledgeable with long term disability insurance law, which includes the federally enacted Employer Retirement Income Security Act of 1974 (ERISA) and Florida insurance law as it pertains to your private individual long term disability policy. Furthermore, you will require an attorney that is experienced in the entire claims process including:
- Filing your disability claim;
- Dealing with insurance company claim managers;
- Dealing with your past and current doctors;
- ERISA appeals;
- Negotiating lump-sum settlements;
- Early termination of your disability benefits;
- Litigation in federal or state court.
The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents individuals that have had their valid long term disability benefits denied, delayed or terminated irrespective of whether the policy was purchased individually or issued through an employer group policy. The firm is available to assist individuals with the initial application process, during the administrative appeals process, handling denials of claims or termination of benefits, litigation in state or federal court, and negotiating a one-time lump sum settlement or buy-out. Please contact our office to discuss your case in more detail.