Finding out that your long-term or short-term disability insurance benefits have been denied can be devastating, especially when you’re already dealing with the stress of an illness or injury that has taken you out of work. It’s not just about money; it’s about security, stability, and the ability to focus on getting better without worrying about how you’ll pay the bills.
One of the most important things to understand is that **insurance policies from your workplace or a private insurer are very different from the disability programs run by the government**. Even if you might qualify for government benefits, your insurance company can—and often does—use its own definitions and criteria for what counts as a “disability.”
Many denials come down to this: the insurer claims you are “not fully disabled” under the terms of your policy. In other words, they believe you can still perform some form of work, even if it’s unrealistic or unsafe for you. Unfortunately, this happens far too often, leaving people feeling powerless and unsure of what to do next.
That’s where my law firm comes in. At Girones Law, we help people who have been unfairly denied disability benefits under private or workplace insurance plans. Whether it’s a short-term or long-term disability claim, our goal is to make the process less intimidating and give you the best chance of turning that “No” into a “Yes.”
What We Can Do for You
When you call us for help, the first step is a free consultation. We’ll sit down with you—by phone, video, or in person—and go through your situation in detail. We’ll look at:
* The type of insurance policy you have
* The exact reason your claim was denied
* The medical evidence already provided
* What additional information might be needed to strengthen your case
From there, we’ll explain whether your denial can be appealed and exactly how that process works. Every case is unique, but appeals often involve collecting stronger medical documentation, getting specialist opinions, challenging the insurer’s medical assessments, and making a clear legal argument that you meet the policy’s disability definition.
We work on a no win, no fee basis for these cases, meaning you don’t pay us unless we are successful in getting your benefits approved. This takes away the financial risk so you can focus on recovery, not legal bills.
Why Acting Quickly Matters
Insurance companies often have strict timelines for appeals—sometimes as short as 60 or 90 days. Missing these deadlines can mean losing your right to challenge the decision altogether. That’s why reaching out sooner rather than later is so important.
You Have So Much to Gain
When you call our office, you’re not just exploring a legal option—you’re opening the door to restoring your financial security, protecting your future, and giving yourself the breathing room you need to heal. The cost to you is nothing upfront. The potential benefit? Months or even years of disability payments that you are entitled to receive.
You’ve worked hard, paid into your plan, and deserve to be treated fairly. Don’t let an insurance company’s opinion be the final word on your future.
At Girones Law, we combine over 30 years of litigation experience with a compassionate, client-focused approach. We’ll guide you every step of the way, keep you informed, and fight to make sure your voice is heard.
Call us today for your free consultation. You have nothing to lose—and everything to gain.
