Long-Term Disability Lawyers in Michigan
People with disabilities may file a claim for benefits, hoping to support their families in the long run before they can return to work. However, insurance companies routinely attempt to deny or delay disability insurance claims to prevent paying benefits.
- Long-Term Disability Lawyers in Michigan
- How the Disability Insurance Industry Can Work Against Your Rights
- How Do I Challenge Long-Term Disability Claim Denial?
- How Can a Disability Lawyer Help You Get Long-Term Disability Benefits?
- Contact a Michigan Disability Lawyer to Help You Receive Long-Term Disability Benefits
If you believe your disability claim has been denied or delayed, you can reach out to an experienced attorney at Cochran, Kroll, & Associates, P.C. to explain your legal options, including filing an appeal against the insurance company. Getting legal representation can increase your chances of having a successful appeal against the company.
How the Disability Insurance Industry Can Work Against Your Rights
A study of 576 federal lawsuits brought against the 7 biggest disability insurance carriers found that insurers committed the following actions against consumers:
- Regularly denied or terminated benefits to individuals even after they are determined to be disabled by the federal government and approved for Social Security Disability payments.
- Employed contract doctors to disregard the opinions of the treating providers without ever assessing the patients.
- Offered incentives to employees for denying and ending claims through performance evaluations to save money.
- Forced plaintiffs to wait 2 years and 8 months on average from the time they became disabled to the time their cases are resolved.
Most of the denials and terminations were related to debilitating medical conditions that can be difficult to prove, such as mental health illnesses. Claimants with self-reported symptoms of diseases like fibromyalgia were turned down. However, some denied claims also included heart disease, blindness, migraines or cancer.
If you receive a denial letter and believe the company acted in bad faith, an experienced disability lawyer can review your insurance policy terms for the definitions of disability. They can evaluate the plan’s benefits and procedures, including the appeals process.
How Do I Challenge Long-Term Disability Claim Denial?
Under the Employee Retirement and Income Security Act of 1974 (ERISA), all insurance companies must have an appeals process. Consumers also have the right to sue the company if they go through the appeals process without a favorable outcome.
A denial letter you receive from the insurance company should detail the reasons for their denial of your claim. It must also list the appeals process should you choose to challenge it. If you appeal, make sure you have enough medical evidence to support your claim before submitting the appeal paperwork. This allows the insurance company to re-review your claim with all collected evidence.
How Can a Disability Lawyer Help You Get Long-Term Disability Benefits?
Obtaining a disability attorney from Cochran, Kroll, & Associates, P.C., can help you manage the appeal process and receive benefits quickly. We can address all your insurance carrier’s reasons for denial of benefits. With our legal assistance, you can submit a complete appeal to prove your right to long-term disability benefits.
We can help you prove your disability case with medical records and expert witnesses, even when your initial claim has already been rejected. Other vital pieces of evidence your attorney can help you collect include:
- Additional diagnostic tests such as MRIs, X-rays, and blood tests to prove your disability.
- New medical reports from your treating medical providers affirming the severity of your disability based on their physical examinations and clinical tests.
- Vocational assessment of your occupational duties and performance evaluation to show the difficulty of performing your job while disabled.
- A personal journal describing the pain and suffering from your disability.
Witness statements from family and friends detailing how your disability affects your work and life.
Our senior partner, Eileen Kroll, can help you understand the long-term insurance laws and how they affect your claim. Her nursing background gives her the necessary knowledge to review your medical records and recommend further medical testing to support your appeal for long-term disability insurance benefits.
She can develop a strategy for the internal appeals process regarding any medical, vocational, or legal issues related to your claim. If your claim was unsuccessful during the appeals process with your insurance carrier, our law firm is ready to take your case to court.
Contact a Michigan Disability Lawyer to Help You Receive Long-Term Disability Benefits
Having sufficient funds to provide for you and your family while living with a disability or mental health issue is necessary. If your insurance company or the government denies you disability benefits, you cannot afford to wait for them to reverse their decision.
If your claim was rejected or delayed by the disability insurance company, let Cochran, Kroll & Associates, P.C. fight for your rights. Our attorneys are dedicated to representing individuals and families who have suffered financial losses because of long-term disabilities. We can help you with your disability claim and help you boost your chances of getting approved by the insurance company.
Our contingency fee basis means we only get paid if we win your case, so there is no financial risk to you to get started. Call our law firm today at (1-866-642-4529) and schedule your no-obligation, free case evaluation.
Michigan lawyer champions your right to receive long term disability
Victims who are denied disability should promptly contact an attorney in order to obtain the disability benefits they are entitled to and should be receiving. There are time limits involved in appealing denial of benefits. If you wait too long, justice will be denied you by default. Don’t let that happen.
If you have been denied disability benefits or were approved for benefits and then had them taken away, let Cochran, Kroll & Associates fight for your rights. There is no obligation for case evaluation and no fee is charged unless a recovery is made.
The Law Offices of Cochran, Kroll & Associates, P.C. is dedicated to representing individuals and families who have suffered catastrophic losses as a result of injuries, disabilities and death. The firm does not represent insurance companies or corporations but instead bases its practice upon representing individuals and families.