Long Term Disability

Challenge the Denial With Our Help

Most of the time our firm can get your long-term disability benefits reinstated with just a couple of letters. Other companies require a quick lawsuit to get them to reconsider. Most of these cases can be resolved quickly with an experienced lawyer. Moreover, we will stay with you after reinstatement in case they deny you again. You paid for these benefits you should get them if you are disabled and too sick to work.

There are limitation periods that apply to claims for disability insurance, so always consult your insurance lawyer as soon as possible to protect your legal rights. At Girones Law, we will look out for your legal and financial interests so that you can concentrate on your recovery.

Your insurance company may deny your claim based on:

• Their opinion that you are not ill or injured, or not to the extent that you claim, or
• Their opinion that you misrepresented some key piece of information on your application, which voids your insurance contract.

Some injuries may be more difficult to prove to your insurance company than others. For example, disabilities involving chronic pain and psychological trauma may be easier for your insurance company to dispute than a spinal cord injury resulting in paraplegia.

At Girones Lawyers, we have the experience necessary to negotiate with your insurance company to secure the disability benefits to which you are entitled. In some cases, this might require that you produce additional medical evidence. In other circumstances, you may need to sue your insurance company.

If your insurance company’s denial of your disability benefits has caused you some specific harm (for example, you lost your home because you were unable to make your mortgage payments), you may be able to sue the insurance company for the damages that you suffered in addition to the benefits that you are owed.

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