Long-Term Disability

Does your employer offer long-term disability and short-term disability benefits? Have you purchased your own disability insurance? While short-term benefits (up to twenty-six weeks) are relatively easy to obtain, when you need long-term disability benefits, you may run into a wall of confusing requirements and outright denials of your disability claim. At the Fenner & Boles, LLC disability claims law firm, our Philadelphia disability lawyers can help you understand your policy and your rights.

Employer provided Your long-term disability insurance benefits are generally governed by ERISA – the federal Employee Retirement Income Security Act. Privately purchased disability insurance benefits are governed by state law, which provides greater protection than ERISA. Our disability claim lawyers are well-versed in know both the ERISA laws and regulations as well as Pennsylvania state law, well, and we can guide you through the claim process.

If the long-term disability insurance policy was created by your employer, it and has many precise instructions:

• Many employer long-term disability policies require that you exhaust all other benefits (Social Security Disability, for example) before you can receive benefits from your employer’s policy.
• Employers require that you precisely follow their procedures in order to receive long-term disability benefits. Any deviation from the exact process can lead to benefits denial.
• If you are wrongly denied disability benefits, you have the rights to file a lawsuit for insurance bad faith.

If you are wrongly denied private insurance disability benefits, you have the rights to file a lawsuit for insurance bad faith.

Don’t give up when your employer or insurance company stonewalls your application for long-term benefits. Talk to a disability claim denial attorney at Fenner & Boles. Understand your rights. Fight for the benefits you are entitled to. We will help.