An Arizona Long-Term Disability Lawyer in Phoenix Can Help You with Your Claim
Unlike Social Security disability claims which must be made through the government, long-term disability claims are made through private insurance companies. Health insurance, including long-term disability insurance, is often a part of the benefits package that many employers offer their employees, and when an employee becomes injured for an extended period of time, they may be eligible for coverage from their long-term disability insurance provider. However, insurance companies have been known to deny claims for long-term disability, and it can often be a battle to secure coverage for your claim. The Phoenix long-term disability attorneys at the Law Office of Paul J. Dombeck, PLLC can simplify the process for you, and will help you avoid the common mistakes and pitfalls that most applicants for long-term disability routinely fall into.
What is ERISA?
The federal government does not require that all employers provide long term disability insurance to their employees, but it does set minimum standards for employee pension plans if they are to be offered. ERISA, which stands for the Employee Retirement Income Security Act, is the federal law that regulates the minimum standards which employee benefit plans must meet, and therefore the majority of claims for long-term disability are governed by ERISA. Unfortunately for workers, ERISA has become more employer friendly over the last decade. Court decisions have given insurance companies more leeway to deny claims for long-term disability insurance, or to initially grant a claim but discontinue payment after two years. All of this makes it even more important that you have an experienced and qualified long-term disability lawyer on your side so that insurance companies do not take advantage of you.
Many applicants are denied long-term disability benefits simply because they do not understand their rights under the law. The Phoenix long-term disability lawyers in our office have years of experience helping injured workers secure coverage for their disabilities, and can help you through the long-term disability claims process, from initial claims, to administrative rehearings, and even including litigation in federal court.
Contact a Long-Term Disability Attorney in Phoenix, AZ Today
If you are in need of long term disability in Arizona, contact a disability lawyer at the Law Office of Paul J. Dombeck, PLLC today to find out if your injury is covered by your existing long-term disability insurance coverage.
Call our office at 602.648.2035 for your free initial consultation today.