Disability Insurance Claims At Nolan, Thompson & Leighton, PLC our disability law attorneys have the tenacity, expertise and commitment to help you receive the ERISA-governed benefits or individual disability benefits you deserve. We will always keep you informed throughout the process, and we will keep your needs as the focus of your case. If you fail to complete the necessary steps within the legal time frames, it can result in a final denial of your claim with no legal recourse to recover the benefits you are owed. In contrast, if you are filing an individual disability claim, you may offer proof of your disability throughout the claims process as it develops. If you obtain medical information to support your case after you file the initial claim, you will still be able to submit that information at a later time. The deadline to file a claim or an appeal of a denial also differs from ERISA statutes. What Steps Do I Take To File A Claim? When filing an ERISA disability claim, it is imperative to complete the following steps: Prove your disability at the time of filing your claim Provide pertinent medical information to prove your disability Include relative doctors’ reports Possibly submit legal arguments to support your case Provide vocational material as it relates to your claim Show paperwork for all financial hardships suffered from your disability File a thorough appeal within 180 days if your claim is denied What is ERISA? The Employee Retirement Income Security Act (ERISA) enacted in 1974 is the general law that governs most employee benefits, including disability benefits provided through your employer. ERISA established guidelines for filing a long-term disability claim which must be followed closely to receive the benefits you need. The law firm of Nolan, Thompson & Leighton has a thorough understanding of the complex ERISA laws. While ERISA was developed to protect the disabled, it has not prevented insurance companies from denying claims that should be paid. If your long-term disability claim has been denied or terminated, you must file an appeal in the proper time frame. A disability law attorney is critical in the appeals process and needs to be enlisted as quickly as possible to offer the most help in recuperating the benefits you need. The Difference Between ERISA And Individual Disability Claims Procedures Some employers may offer a separate individual disability policy, or you may have purchased an individual disability policy which can provide benefits if you suffer a disability. This type of coverage is not governed by ERISA and has its own guidelines that must be followed to file a claim and an appeal. One of the most important things to understand, and the most difficult to decipher, is the differences between ERISA governed policies and an individual disability policy. Nolan, Thompson & Leighton Firm has the expertise and knowledge to help you understand the benefits you should receive. Contact A Legal Representative Nolan, Thompson & Leighton, PLC has helped hundreds of clients in recovering disability benefits. We have comprehensive knowledge of ERISA guidelines, extensive resources, and the reputation with insurance companies for holding our ground to protect our client’s rights. Our Minnesota disability law attorneys understand insurance plans and the complex wording that confuses the general public, as well as the tactics that insurance companies use to deny claims. We will listen to your story, study your plan’s benefits and develop the best appeal for your claim. Contact our firm today for a free consultation. If you have any questions or if you wish to discuss this case further, please fill out our online contact form, or call us at 952-405-7171.